My Open Book

Your car insurance premium is one of the most important bills that you will pay every month. Because you have been regularly parting with your hard earned money every month, the last thing you would want is for your claim to be declined. Unfortunately this can be a fairly common occurrence, and there is a wide range of reasons why an insurance claim would be rejected.

In some cases, your claim could be rejected due to you being found at fault for the loss of your motor vehicle. If your vehicle was stolen, the insurance company could say that you were negligent, or were not utilising your security measures, thus leading to the theft of your vehicle. This will also apply if you have had goods stolen from inside your vehicle, even the car radio, and you do not have any receipts.

Sometimes the auto insurance company will find discrepancies in the insurance policy, which will lead them to reject the claim. The discrepancy can be due to facts of the accident not directly correlating with the clauses in the policy. This is why it is important for you to read over your insurance policy carefully, even that excruciating small print. Even whilst you are in the process of getting your insurance quotes, ensure that you know what you are signing up for so that there will not be any problems in payout later on.

Although your claim may have been rejected, there are ways and means of resolving the problem. This is where an ombudsman would come to the party. Insurance ombudsmen are in business to deal with rejected claims and any other problems that arise with insurance companies. They are professionally trained in the legalities of insurance, and are therefore excellently equipped to assist your problem. The ombudsman will analyse your insurance claim and will ensure that they can find the cause of the rejection. If you are fortunate enough, the ombudsmen will be able to reclaim successfully for you.

In conclusion, it goes without saying that it could be very frustrating if your insurance claim is rejected. You must ensure that you have a good understanding your policy before you even sign up.

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