"Why not have insurance?" The question that remains unresolved to do. Automobile insurance I heard from people close to me. I was faced with this problem all by yourself! Actually, this happens for several reasons so much. We will, for example, the introduction of the "Cash before Cover" set by the Board of Directors of the insurance business or the OIC. The use auto insurance. Know the main Cash before Cover well.
Cash before Cover is a simple principle. "Pay before coverage later" when you choose car insurance already. You will need to pay premiums to agents. Or insurance company before It will be covered under the policy. Which was scheduled on January 1, 2552 and May car insurance by. The. The. And voluntary insurance
The advantages of this principle are
- Reduce the incidence of disputes between the insurer and the insured. Now trades Car Insurance By phone It is very popular. But the insurance in this manner, it is vulnerable to a conflict. In the case of car accident insurance claims and demands which are sometimes based on the claim that the insured must wait for the insurance company. Before sending a notice to policyholders claim.
- A tool to manage risks that could arise with the insurance company may not be paid from insurance premiums.
- Help prevent fraud of selling insurance. Protection of client money and then not deliver the insurance company. To cause insured damage.
Can not claim that there are several reasons.
1. Complete the claim form is incomplete.
The details are incomplete Constitutes willful nondisclosure Accordingly, if an error or a call-up company will not refer to you as a contributor.
2. evidence that insurers are incomplete.
If the documents you send to the insurance company does not meet or insurance company officials stated. It will slow down or make insurance claims proceed no further. The data may be insufficient or absent some evidence that the company needs.
3. Details about the coverage in some policies.
This could be a breach of the policy itself that we did not observe. Maybe because I do not understand Read not detailed enough Do not ask staff to better understand correctly, it is not. This case must come to terms I could not do anything. Considered that a lesson (expensive).
4. In addition to the policy conditions are
You may be denied car insurance claim. If you are outside the terms of the insurance policy. This is the reason Why buying car insurance you need to read a good insurance.
5. vehicles than its intended purpose of use.
If you specify whether to use the car for personal or commercial use. Then you apply pressure beyond the point of use. This may be why the company does not guarantee another reason. If you are applying for work. Was identified in the statement of claim.
6. used another name.
The car insurance you do in the name of others. Without a major driver of the car was. Whether for insurance to get cheaper or whatever. Others considered it a name and fraudulent insurance claim form. Because of this, the Company has not guaranteed the rights provided for in the law.
7. Do not carry a driver's license
If not, you should not drive or do not carry a driver's license. In addition, it is illegal and must pay a fine then. Also have a negative effect on their own if the accident already have a car insurance claim. The best way is to not let the license expire. The regular driver's license in order to avoid difficulties that may ensue.
8. reckless driving or breaking traffic laws.
If an accident Then you apply for insurance claim, the insurance company will investigate. What you tell them is true or not, if found on your car is damaged in an accident or was it your fault. The speed limit through a red light or driving lanes garden. You may be denied insurance claim that occasion.
9. False information
If you adjust your car extra additives. No matter how small it is. You have to let your insurance company know every time there is a change, addition. So the insurance company will calculate and evaluate new premiums. If you do not Then accident The insurance was found to have furnished change without notice or company if you write about the damage of the car was exaggerated because demand more insurance money. All this assumes you misrepresents. The company has the right to deny your insurance claim under the law.
10. Do not pay insurance premiums
If you subscribe to the automobile insurance policy. But refused to pay the monthly premiums, annual think that no one will come to your exact vehicle warranty. Whether it be forgotten or overlooked the same finish that was denied insurance claim.
If you think this accident. You should not be denied the claim, then.
You can do the following.
1. Read the policy
See why insurers deny your insurance claim with your insurance information. Write down words that seem vague or ambiguous paper. Gather as much information as possible. Then contact an expert technician or your insurance agent to review the information and make a new assessment again.
2. Write a letter to the insurance company.
Write a letter with your full name, your password policy. And the profile that you want to dispute the denial of an insurance claim in any company. Attach documents to support your reasons why you think you should be protected by. Finally, it should be said that you want to do, such as insurance companies receive claims of some or all claims received. Reason
Finally, remember that the important thing is that we have as consumers. Check insurance details Before completing That we will get what we really want. If there is anything you do not understand Cryptic messages, you can put them together, then contact the officer to ask him to give you more details. So as not to lose their rights.
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