Money you are paying as car insurance premiums can give you peace of your mind. As you are losing your precious money in premiums, isn't it would be disheartening if you come to know that your insurance claim has been rejected. There may be number of reasons for insurance company to reject your claim. To rectify it what you need is to get into the root of the problem due to which rejection of your claim occurred.
One of the reason for rejection of your claim may be loss related to theft of your vehicle. If you are find at fault for the theft of your vehicle due to your careless activities or your negligence by insurance companies then your claim can be rejected by them. They will also not pay you for accessories or additives of your vehicle if you are not able to show them bills of additives as a proof. Also if the insurance company finds that you have tried to fool them by giving them false or incorrect details then they don't have to pay you. That's why it is important to tell insurance companies the story in the same manner as it has occurred without a minute modification. Claim inspectors are very harsh, they investigate deeply and try to find out a single mistake so that they can drop out your claim and make you remain empty handed.
Sometimes your claim can be rejected because of mismatch with the clauses of the policy or the policy contains such a type of clause that may prove your claim to be invalid. That's why it is necessary that you should read the clauses very carefully before signing them. You should take care of the fact that you have with you a well maintained file of records. That may include records of interactions and dealings between you and insurance companies, receipts of paid premiums, additional offers provided to you in written, mails etc.
Even if your claim gets rejected then also you have one option left with you that is of overseers. Overseers are in business for this only. They will handle your case, to provide you assurance that proper justification is done .you can bring the overseer in the case only when your claim has been rejected, and then they will deal directly with the insurance company for full justification with you.
It's really disheartening when your claim gets rejected, so proper prescribed procedure should be followed to get the claim easily.