5 Alasan Umum Mengapa Klaim Asuransi Mobil Ditolak

CLAIM car insurance is completely within the customer's right to respond to any risks that arise. However, obtaining claim disbursement status is still based on various accompanying regulations. If there are regulatory options that are not met, it could hamper the claim disbursement process and potentially result in rejection. In general, there are several reasons behind the rejection of the insurance claim process:

1. The process of submitting a claim in an inactive policy status or entering a grace period.
2. Submission of claims is made after 5 days after the risk appears.
3. The claim submitted is included in the exception status.
4. The claim documents submitted are incomplete without official information and there are indications of falsification.
5. Claims are outside the insurance company's zone.

Car Insurance Claims Exceed Policy Limits

The claim process ideally still refers to the risks covered and stated in the Insureka! policy. For this reason, customers must activate optional features to expand their protection coverage. By activating the optional features, it is hoped that the applicable protection system will become wider and more optimal. Able to cover various potential risks that arise.

However, the process cannot continue or a car insurance claim is rejected if the claimed feature is not listed in an insurance policy. This usually happens often and is not fully understood by customers.

Breaking the law

The process of rejecting car insurance claims should ideally not be based on risks that arise due to violating applicable laws in Indonesia. This is because the claim process will not be responded to if the car is damaged due to assisting in the process of a crime. Or, the damage occurred because the car was in a legally prohibited zone.

Delay in Filing Car Insurance Claims

The claim disbursement process will be rejected if the application is made after the expiry date. The deadline for submitting claims is 5 calendar days after the risk incident. This means that the claim process must be carried out not too late or less than 5 calendar days after the risk incident. If there is a problem with completeness of documents because they are lost, this can be addressed as follows to prevent a car accident insurance claim from being rejected:

1. To lose your STNK and KTP, you can include a Police Loss Report and Photos of Old Documents.
2. For SIMs, you must still include the original or real one. Because, this is in accordance with the legal umbrella of traffic laws.

History of Fake Car Insurance Claims

The background or chronology of the claim must be true. This means that the background chronology cannot be manipulated. Not only is the incident fabricated by raising fictitious issues, the risk must also not be triggered by oneself or the insured's family. This means that the incident that triggers the risk must not be artificial or intentional.

Delay in Medical Evaluation

For some claims, the existence of medical legality is very necessary. If it is incomplete, then the car insurance claim is rejected. This cannot be separated from the potential for submitting claims through the optional Personal Accident for Drivers and Personal Accident for Passengers features. This cannot be separated from the position of submitting a Medical Costs-Injury-Death claim. For this reason, it is necessary to include Police Report documents, Detailed Stamped Hospital Receipts, and Photos of Death Certificates as a form of completeness.

Conclusion

Proses klaim asuransi mobil idealnya dilakukan sesuai regulasi untuk memastikan tidak adanya status penolakan. Apalagi, proses klaim dibatasi oleh durasi waktu pengajuan 5 hari kalender pasca insiden risiko. Terlepas dari status, klaim juga didasarkan atas beberapa hal untuk memperbesar rasio pencairannya yaitu:

1. Submission of claims is made after 5 days after the risk appears.
2. Mengajukan klaim asuransi mobil dalam status polis tidak aktif atau masuk masa tenggang.
3. The claim submitted is included in the exception status.
4. The claim documents submitted are incomplete without official information and there are indications of falsification.
5. Claims are outside the insurance company's zone.

FAQ

Apa yang terjadi jika perusahaan asuransi menolak klaim Anda?

Jika ada klaim yang ditolak, pastikan ditelaah lebih lanjut terkait background penolakannya. Apa yang harus dilakukan jika klaim asuransi gagal, maka semuanya tetap dikomunikasikan dengan baik untuk mencapai jalan tengah solusi ideal.

Bagaimana cara memastikan klaim asuransi mobil saya disetujui?

Untuk memastikan klaim disetujui, pastikan semua dokumen lengkap dan alur proses dijalani dengan benar. Selalu menjalin komunikasi yang baik dengan perusahaan asuransi atas setiap tahap klaim yang dilaluinya.

Berapa lama waktu yang dibutuhkan untuk memproses klaim?

Waktu yang dibutuhkan tergantung dengan kelengkapan dokumennya. Semakin lengkap waktu klaim akan semkain cepat. Meski demikian, proses klaim dan pembayarannya maksimal dilakukan 14 hari kerja setelah dokumen lengkap.

Bisakah klaim asuransi mobil ditolak jika kecelakaan itu bukan salah saya?

Klaim berpotensi diterima asalkan memenuhi regulasi yang berlaku. Dokumen persyaratannya lengkap dan valid. Jika kecelakaan melibatkan pihak ketiga, maka pengecekan kepemilikan polis asuransi akan dilakukan.

Apa yang dimaksud dengan pengecualian kebijakan, dan bagaimana hal tersebut menyebabkan penolakan klaim?

Proses pengajuan klaim tetap memperhatikan pengecualian kebijakannya. Ada banyak opsi yang jadi latar belakang pengecualian klaim. Untuk itu, nasabah harus teliti membaca polis dan semua klausul yang tertera.