7 Reasons Why Your Car Insurance Claim Could Be Denied

Thane Automobile Blog

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The first step after buying a new car is to buy a comprehensive Car Insurance policy for ensuring financial protection during a mishap, damage or theft. Besides having a car insurance policy, you should also be well versed with certain basic protocols to be followed to ensure your insurance related claims are not denied by your insurer.

Here are some of the common reasons why your car insurance claim could be denied:

Negligence Due To Drunken Driving

Driving a vehicle in an inebriated condition amounts to negligence as the probability of mishaps are high. For insurance companies the chances of accidents are high in such condition due to less control over the vehicle. A closer look at your car insurance policy document will also reveal that drunken driving is totally outside the ambit of any insurance coverage. So while you may believe you can handle driving after drinking, it is best avoided for your own safety as well as the safety of others on the road.

Not Producing Valid Driving License

As per the law, every driver operating a vehicle on Indian roads should possess a valid driving license. You cannot claim insurance in the absence of a valid license. This is also same for vehicle owners carrying expired license on the day the accident took place.

Improper Handling Of Vehicle

Improper handling of your vehicle can be another reason why the car insurer can deny your claim. For example, you may have a car insurance along with an engine protection add on cover but if you are found to be deliberately turning on the ignition in flooded waters, it will be considered as a deliberate attempt to damage car’s engine. So always handle your vehicle with care and as per the norms of the car insurance policy to avoid any such claim denials.

Insurance In A Different Name

If you bought a second hand car, you must ensure that the car insurance is also transferred in your name from the previous owner to claim insurance during the times of need. Always ensure transfer of car insurance in your name as the new owner, the same way it is done with the registration certificate (RC) of the car. To avoid the chance of a claim refusal, do ensure that the name in the car insurance policy matches with that in the RC.

Commercial Use Of Personal Vehicle

In today’s world of radio cabs, many car owners are using their personal cars for commercial purposes. So if you are one of those using a personal vehicle for any commercial gains, not only are such activities illegal, it can also mean denial of any insurance or theft claims.

Delay In Informing The Insurer

Be it a theft or accident claim, one of the first things you as a car owner must do is file an FIR and inform the insurance company about the same. Delay in informing the insurer can be used against you as a genuine reason for claim denial. For example, for an accident claim, care must be exercised to not move your vehicle from the accident spot unless approved by police and car insurer. Most car insurance companies have a 24/7 helpline so getting in touch with the insurer is now seamless and easy and must be followed without fail.

Expired Car Insurance Policy

Your car insurance policy must be renewed before the lapse date to ensure claims are not rejected. Any claims you may seek when the policy is lapsed may not be acknowledged by the car insurance company. Always renew your car insurance plan 15-20 days before its expiry period to allow for seamless cover.

Car insurance claims are easy to seek but also come with a high denial rate. It is thus important to know about common mistakes to avoid denials for insurance claim.

Also Read : 6 most Affordable Automatic SUVs under Rs 15 lakh in India

Source: msn.com

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Public Garden at Dhokali Left in a Shambles, Closed for Over a Year for ‘Repair’


Thane : A well-appointed sprawling public garden next to the Nandibaba temple, Dhokali continues be in a state of chronic neglect by the civic administration here has been closed for all recreation activities for over a year now, inviting bitter criticism of the goings-on in the TMC headquarters.

Inaugurated in January 2012, the Nandibaba garden, which boasts of artificial animal replicas, mini water fountains, colourful benches, a jogging/walking track and a wooden bridge over a small pond, was a popular spot for the children and families residing in the high-rise towers.

“The park was like an oasis amidst the concrete mess. It was very well done with waterfalls, artificial animals and lush landscapes and was a big hit with the children. I would take my 2-year-old in the garden every evening. Initially the park was functioning on a regular basis but four months later everything went for a toss. The opening and closing timings were erratic, the upkeep was not good and then for the last one year they have simply closed the gates for all: complained Dhokali resident Tanya Shah.

Most residents said the neglect of the public garden is indication of a lack of child-friendly policy by the TMC administration, especially in the places where towers are standing tall and all open space is occupied for car parking.

Citizens here also raised questions about the administrations ‘double-standards’ on creating more public gardens and pointed out that, “On one hand the municipal commissioner has started an open garden at Pokhran Road-2 and also underneath the flyover across Nitin Company. However, a similar green infrastructure, where huge public money has been spent, is lying in a state of utter neglect. Neither local corportor Sanjay Bhoir nor civic officials seem to be eager to provide the basic to the citizens.”

The TMC officialdom claimed that the Nandibaba garden has been closed `just seven months back’ for repairs.

“We have shut the public garden for safety reasons. The main entrance park gate fell and so we had to close it till repair are carried out. We will inspect the garden,” said a civic official.

“The park was built for people It will be restored as soon as possible: said Bhoir.

The park was like an oasis amidst the concrete mess. It was very well done with waterfalls, artificial animals and lush landscapes. Initially the park was functioning regularly but four months later everything went for a toss. The timings were erratic and then for the last one year they have simply closed the gates

Source : timesofindia.indiatimes.com

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Thane : Gatari Feasting Starts Early This Year


Thane : Although the holy month of Shravan is set to kick off from next Sunday and Gatari Amavasya is to be observed on Saturday, Maharashtrian families across the lake city seem to have begun celebrations a week early this time.

Revellers have started taking part in the tradition of binge drinking and feasting on non-vegetarian food almost six days early as many do not consume meat on Saturdays and some of the weekdays.

“We had a grand party at home on Saturday and indulged in an array of non-vegetarian starters and other delicacies. We had called our near and dear ones and partied till late into the night. Since we will bring home Ganpati in the coming month, we abstain from consuming liquor and non-veg food: said Aditya Deshpande, a resident of Panchpakhadi.

A few youngsters were seen visiting pubs and resto-bars across the city, taking full advantage of the last weekend before Shravan.

Devraj Shenoy (29), a resident of Naupada said, “My friends and I were on a pub hopping spree on Sunday and visited many places in Mumbai. My family is religious and follows Shravan strictly, conducting the fast and pujas every day. It has been left up to me if I want to follow the rituals.”

Source : timesofindia.indiatimes.com

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July Downpour Saw 156 Tree Falls in City


Thane : Heavy monsoon showers and accompanying gusty winds seen last month uprooted as many as 156 full grown trees across the lake-city, data compiled by the civic disaster management cell has revealed.

However, the number of tree falls seems to have dropped by more than 15% in comparison to the 214 tree falls that took place in the city last year. Civic officials attributed the drop to deforestation and the break in heavy rains and winds over the past two weeks.

“While there were 156 tree falls in July this year. as many as 130 took place in the first 17 days. Thereafter, there were only 26 such incidents in the month. Similarly, 46 of the 56 tree branch falls took place in the first half of the month, especially during the heavy rains:’ said a civic official.

“During a downpour, the force of the winds and intensity of the rain puts a lot of pressure on trees. If a tree has already tilted, like many in the city, it is bound to yield to this pressure. In addition to answering to tree fall calls, we also have to look out for trees that are in dangerous conditions and are likely to fall during heavy rains: said a civic official.

Environmentalists here agree that while the intensity of the monsoon showers and winds plays a key role in the number of tree falls during monsoon season, they assert that the reason the trees are prone to crash is because of their foundation being weakened, thanks to years of concretisation and urbanisation.

“The continuous process of construction taking place across the city has resulted in the soil around trees shrinking constantly. With there is lack of soil for its roots to hold onto or absorb water, these plants and trees also dry up and weaken over time. The slightest amount of rain or wind then knock them over,” said city-based environmental researcher Prasad Karnik. While external factors slowed down in the later part of July, it is bound to pick up in the coming weeks. Thee numbers are bound to shoot up when the monsoon intensifies this month, he added.

Source : timesofindia.indiatimes.com

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City Areas Look Ceaner After Residents Give Up On Plastic


Thane : Citizen activists of Thane city claim that 20 per cent of the streets and public places in the city look much cleaner thanks to the drop in plastic materials.

The nullahs are getting lesser choked as earlier the plastic waste would pollute city nullahs and street sides.

While most admit that much needs to be done to achieve the goal of a plastic-free city, city activists believe that the mindset of citizens is slowly changing and the city is on the right track with regards to ban on plastic.

Dr Mahesh Bedekar, a resident, said, “I have noticed that every person agrees with the plastic ban and there is a feeling of responsibility towards the future of the city. The change may not happen immediately and will take time, but it will happen. I can say safely that at least 20 per cent of the streets and public places across the city are cleaner and livelier thanks to the ban on plastic. If there is continuous awareness, even a single person can help change the mindset of four others:

Despite the heavy rains that lashed the city in July, the nullahs in Kalwa did not clog, which otherwise would have due to heaps of plastic carry bags being dumped rampantly by residents.

A civic official from the Kalwa ward, said, “Since the government has banned plastic there has hardly been any littering in the nullahs and drains. After we had conducted our annual pre-monsoon nullah-cleaning drive we went back for a visit to some of the drains. We were surprised to see that the plastic waste thrown has reduced by a considerable amount.”

While citizens of Thane and its neighbouring suburbs are breathing a clearer air than a few months ago, the ones in Diva are facing a tough time as the banned material is still being carelessly dumped in the drains on a regular basis.

“When the civic administration had conducted raids at numerous shops in the city initially as the ban kicked in, citizens were scared and had stopped using polythene bags. Sadly then the bureaucracy neglected our area and things resumed back to normal. Our drains are flooded with plastic wrappers, polythene bags, bottles, etc openly being used by the residents,” said Adesh Bhagat, a Diva resident.

However, in some slum areas of the city the situation is slightly bad as the dwellers are forced to throw their waste in the drains claiming that there is no regular waste collection by the civic administration.

“As the civic body garbage vans do not regularly visit our areas, we are forced to throw waste from our homes in the drains. We know that this is a bad practice and that we are prone to diseases due to this, but how long can we keep the waste accumulated in our homes? We anyway have space crunch and the civic body has been neglecting slum areas. Garbage collection in our areas is not regular which is why drains here will get choked as we have no other source of waste disposal: said Lakshmi Bhandari, a slum deweller from Majiwada.

I have noticed that every person agrees with the plastic ban and there is a feeling of responsibility towards the future of the city

Source : timesofindia.indiatimes.com

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