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Insurance claim

I had taken insurance policy while purchasing a commercial vehicle its recently met with Accident and its under repair from past 40days and i claimed for insurance policy under loss of employment. Company rejected the claim by saying: The Company shall not be liable under this Section for 2. a.Self employed persons b.Any claim relating to unemployment in respect of a job which is casual, temporary, seasonal or contractual in nature or direct roll . Please let me know how to proceed get claim .

( Hyderabad, Telangana )

1 year ago

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A.
Dear Client,
The Motor Vehicles Act, 1988, makes the insurance of motor vehicles compulsory. The owner of every motor vehicle is bound to insure his vehicle against third-party risk. It covers the vehicle for damages against accidents, fire, natural disasters, and theft among others, and also covers any injury to the owner. It also covers any damages and injuries caused to the third party. A personal accident insurance policy provides protection against death, permanent total or partial disability, and temporary disability in case of an accident. Personal accident insurance does not cover any injuries that are self-inflicted, intentional, or caused by a policyholder's negligence. This includes injuries resulting from the policyholder's participation in illegal activities, such as drug abuse or alcoholism. It also does not cover any claim for unemployment arising out of the accident. When a claim is repudiated or rejected by the Insurance Company, you may either file a complaint before the Consumer Court claiming compensation or before the Motor Accident Claim Tribunal against the Insurance Company. Please consult with an Advocate for guidance and steps.
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A.
Dear client,
As in case of any mishap event, the insurance policy will be able to safeguard your commercial vehicle with accidental damages and loss. It will also cover the owner/driver of the vehicle in case of any unforeseen event such as natural calamities, fire, theft etc.
When the insurance company denies the claim, write an appeal letter to the insurance company.
You must also mention why you availed of this policy and the medical condition you have. Include the treatment plan recommended by your doctor and proof of medical prescriptions. It will help the insurer reconsider your appeal against the rejected claim.
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