Using private car as cab can lead to claim rejection

Insurance companies are trying to simplify the motor insurance claims process.

-  SANJAY KUMAR

HDFC ERGO General Insurance recently integrated artificial intelligenceenabled inspection technology into its WhatsApp chatbot. This will allow customers to instantly settle claims for minor damages of up to 20,000. Online platform Policybazaar launched a Claim Assurance Programme under which it will provide customers with a dedicated claim manager and vehicle pick-up and towing to network garages.

On their part, customers should be mindful of factors that can lead to motor claim rejections and take steps to avoid them.

Reasons for claim denial

If a policyholder files a fraudulent claim to get undue benefits from the policy, the insurer will reject the claim. "If a claim is beyond the policy risk period, the insurer will reject it," says Parthanil Ghosh, director and chief business officer, HDFC ERGO General Insurance.

Motor insurance is sold for specific vehicle categories. “If you buy insurance for a private car, use this car as a cab and then have an accident, your claim will be rejected," says Animesh Das, chief underwriting officer, Acko Insurance.