My claim was denied/rejected. What is the reason?

My claim was denied/rejected. What is the reason?

Not all claims end up getting approved. A claim may get rejected if the type of vehicle damage is not covered by the policy. Failure to follow the terms and conditions of your vehicle insurance may also lead to a claim rejection.

Here are the common factors that may disqualify you from filing a vehicle insurance claim:
  1. Unpaid car insurance premium
  2. Damage caused by a natural disaster if your policy does not have an Acts of Nature coverage
  3. Causing injury or property damage intentionally (e.g., road rage)
  4. Accepting settlement with the person at fault in an accident
  5. Unlawful activities such as driving without a license (or with an expired license), drunk driving, and violating traffic rules (e.g., beating the red light)
  6. Policy named under a person who is not driving the car / Incidents that happens when the vehicle is being driven by a different person rather than the authorized driver
  7. The vehicle has damaged parts (e.g., broken headlights, worn-out brake pads) prior to the accident
  8. Malicious damage caused by owners or members of his/her family
  9. Accidents that happened outside of the Philippines
  10. Losses within the policy deductible
  11. Incidents caused by overloading
  12. Tire damages
 Read carefully the terms and conditions of your vehicle insurance policy so you know what you are entitled to and when you can make a claim. 


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