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PMD Car Insurance: Ways in Which the Claim Can Be Rejected

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Do you have a car and you want it to be secured from every inch? If yes, then you are at the right stop to know about PMD car insurance. Many people think that whether there is a need of insurance or not and some also ignore this idea as well. However, it is important to get your car a good PMD insurance to secure its and yours life. 

The biggest hurdle in getting up insurance is to know whether you are fit for the claim or not. Therefore, we are here to reckon all those points that might become a slag in attaining Prime Meridian car insurance. Let’s begin:

Unpaid Premiums 

Unpaid Premiums 
Unpaid Premiums

If you haven’t paid your premiums or dues, then here is the high time to pay them as they can become the most common one. Fortunately, the govt. has given leverages to customers for paying their unpaid dues by increasing the grace period. In some cases the period may vary therefore check your policy to know the extra days granted to pay for pending payments.

Unlicensed Drivers

Unlicensed Drivers
Unlicensed Drivers

There are certain insurance policies that grant only licensed drivers or owners to claim for the car insurance. If in some case someone will drive the car then you have to be very specific about who is going to drive the car in your absence by mentioning it very clearly. The claim will also be rejected if the car is involved in an accident while driven by an unlicensed driver. Meanwhile, there should be no misinterpretation in the information and details of the driver will result in claim rejection.

Unroadworthy Vehicle 

Unroadworthy Vehicle 
Unroadworthy Vehicle

Your claim will be rejected, if you have found in any road accident with the car. Every country has its own sets of rules that should be maintained by every person before applying for the prime meridian car insurance such as the mentioning of roadworthiness of the engine and VIN numbers on the registration documents. The windscreen of the car must be damage-free; wheels should be of right size. Speedometer, seatbelts, windscreen wipers, shock absorbers should be in a good manner.

Driving Recklessly

Driving Recklessly
Driving Recklessly

There is a clause in every licensing document known as Failure to Take Care Clause that means recklessly driving. In simple words, if you are driving recklessly, then your insurer might refuse to redeem your insurance claim money. Meanwhile, according to another clause that is Traffic Regulations Clause that states running away or speeding up the speed, can give you a chance of rejecting the insurance claim. In any case, if you have hit a person, animal, property or anything else from your car, then also the insurance holder is not eligible for the insurance claim.

Telematics Indicate Drive Error

If the car is stolen or lost, in such a case with the help of telematics you can track and recover the car as monitors the car. For some insurance companies, it is important to maintain this device and if in case it is lost, damaged, or broken then your claim might be rejected. Meanwhile, due to wrong driving or speeding up, the telematic is found not at a good position, and then in that case your claim will be rejected.

Do not Go Back on Your Words

If at the time of insurance you promised that you park your car in a big garage, and then do not park it in an open area. This can also lead to the insurance claim failures. 

Summary: It is very daunting and confusing when it comes to such ways that can become a hurdle in attaining your insurance claim, therefore here are the ways that can lead to rejection. Look below.