Nowadays, the incidents of car theft have increased a lot, and in such a situation, it has become very important to get car insurance. However, just getting insurance is not enough; you should also have complete information about its terms and conditions. If you do not know every small and big thing related to insurance, then your claim may get rejected. Let us know the reasons due to which your claim can get rejected in case of car theft and what should be done to avoid this.
Why can the claim be rejected? If your car gets stolen, it is natural that you feel a little relieved that you will get the money from the insurance company. But what if your claim gets rejected? There can be many reasons behind this. Let's know some important things:
1. Lack of keys: The insurance company will pass your car theft claim only if you submit both the keys to them. If you do not have both the keys, the company may reject the claim. This often happens when people lose their keys and take it lightly. If the car keys are lost, it is important to file an FIR immediately. Failure to do so may result in the claim being rejected later.
2. Not lodging an FIR: If your car keys are lost somewhere and you do not lodge an FIR, then this can be a big mistake. If the car is stolen after losing the keys and an FIR is not lodged, then the claim is sure to be rejected. Therefore, if the keys are lost, inform the police immediately and get a report registered.
3. Keep the necessary documents handy: During the claim process, it is mandatory for you to have all the necessary documents, such as the insurance policy, registration certificate (RC), and pollution under control (PUC) certificate. Lack of these documents can also lead to rejection of your claim.
What to do after car theft? Inform the police immediately: As soon as you learn about the car theft, immediately go to the police station and register an FIR. This is the first and most important step.
Inform the insurance company: After the police FIR, immediately contact your insurance provider and inform them about the theft incident.
Keep the keys safe: Keep both your keys safe until the insurance company processes your claim.
Keep documents ready: Keep all the important documents, like the car insurance policy, RC, and PUC, safe with you and provide them to the insurance company at the right time.
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