Experts say a record number of vehicle insurance claims are being rejected in South Africa. And there’s a clear reason why. Due to the increasing cost of new vehicles, people are holding onto their current cars for longer. However, they’re not maintaining them as well as they should …
As such, record numbers of vehicle insurance claims are being rejected in South Africa. Motorists think a general vehicle insurance policy will cover everything. However, as many find out when it’s already too late, vehicle owners must take all necessary steps to keep their property in safe working order.
VEHICLE INSURANCE CLAIMS IN SOUTH AFRICA
Therefore, motorists should be aware of their policies carrying a wear and tear and gradual deterioration exclusion. For example, if you’re involved in an accident and your tyres are bald, your vehicle insurance claim will likely be rejected. Good quality tyres would’ve allowed you to stop in time to avoid the accident.
Likewise, if you’re involved in an accident and your head, tail, brake or indicator lights are non-functioning, your claim is likely to be denied. Functioning lights would’ve made you more visible, and the accident could’ve been avoided. When it comes to vehicles, failing to replace worn brakes, tyres or broken lights will have serious consequences, reports Daily Investor.
EXPERIENCED ASSESSORS’ JOB
The Motor Industry Workshop Association’s (MIWA) Dewald Ranft says experienced insurance assessors know immediately if poor maintenance contributed to an accident. “If a collision is caused, or made worse, because a vehicle was not maintained, the insurer will decline the claim. The insurer is well within their rights to do so,” Ranft says
Furthermore, the association says motorists must inspect their vehicles regularly and pay extra attention to vehicle warning signs. Having vehicle insurance gives peace of mind, but the onus is still on the vehicle owner to ensure it is running safely. Worryingly, the industry revealed earlier this year that only around 35% of the cars on South African roads are insured. Which means even if you are covered, the chances of colliding with an uninsured driver are incredibly high.
DO YOUR BIT
Therefore, MIWA urges all South African motorists to:
- Service their vehicles regularly and keep a record of work done.
- Act immediately on maintenance advice given at a workshop.
- Prioritise safety-related issues, like tyres, lights and brakes.
ARE YOU SURPRISED TO HEAR VEHICLE INSURANCE CLAIMS ARE BEING REJECTED?
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