Insurance Paper & Legal Queries: Claim Reject Kyun Hota Hai Aur Kaise Bache?

Insurance claim rejection ka sabse bada reason documents aur legal compliance hota hai. Accident ke baad log claim to kar dete hain, lekin fitness, permit, DL, RC jaise chhote issues ki wajah se claim atak ya reject ho jata hai.

Is article mein hum very high-intent insurance legal queries ke clear jawab denge.

Insurance Ke Liye Kaun Se Documents Chahiye?

Insurance lene aur claim dono ke liye kuch basic documents mandatory hote hain:

Insurance Purchase ke Documents:

• RC (Registration Certificate)
• Owner ka Driving License (DL)
• Aadhaar / PAN
• Previous insurance copy (renewal ke time)
• Fitness & Permit (commercial vehicles ke liye)

Insurance Claim ke Documents:

• Insurance policy copy
• RC
• DL (driver ka)
• FIR (major accident / theft)
• Repair estimate & bills

Fitness Expired Ho To Insurance Milega Kya?

Generally nahi.

Commercial vehicles ke liye fitness certificate valid hona mandatory hota hai.

Agar accident ke time:

• Fitness expired hai → Claim reject ho sakta hai
• Fitness renewed later → Accident date par validity matter karti hai

Permit Expire Ho To Claim Milega Kya?

Permit expire hone par claim milna mushkil hota hai.

Commercial vehicle bina valid permit chalana:

• Motor Vehicles Act violation hai
• Insurance company legal breach maanti hai

Kuch minor cases mein partial claim mil sakta hai, lekin guarantee nahi hoti.

DL Mismatch Insurance Claim

DL mismatch ka matlab:

• Driver ke license mein vehicle type allowed nahi
• Expired ya fake DL

Is case mein:

• Insurance claim direct reject ho sakta hai
• Especially heavy & commercial vehicles mein

Driver ka DL vehicle category se match karna mandatory hai.

RC Expired Insurance Claim

RC expiry ka matlab:

• Vehicle legally road par allowed nahi

 Accident ke time RC expired hone par:

• Claim reject ho sakta hai
• Third party liability ka issue bhi aa sakta hai

Insurance Claim Late Batane Se Kya Hota Hai?

Accident ke baad delay intimation ek common mistake hai.

Agar aap:

• 24–48 hours ke baad inform karte hain
• Bina reason delay hota hai

To:

• Claim amount reduce ho sakta hai
• Ya claim reject bhi ho sakta hai

Accident Ke Baad Insurance Kaise Milega?

Accident ke baad insurance claim paane ke liye sahi steps follow kare:

1. Safety ensure kare
2. Insurance company ko turant inform kare
3. FIR kare (major damage mein)
4. Vehicle survey karwaye
5. Documents submit kare
6. Repair ke baad claim settlement

Claim settlement time: 7–20 working days

Common Legal Mistakes Jo Claim Reject Karwati Hain

Expired fitness
Invalid permit
DL mismatch
Overloading
Late claim intimation

Conclusion

Insurance claim sirf policy lene se nahi milta — legal documents ka valid hona equally zaroori hai. Fitness, permit, DL aur RC jaise documents agar updated hon, to claim process smooth aur fast hota hai.