In case you have applied for auto insurance for your car and it got rejected, you might be wondering what’s wrong with my car. This might be due to dishonest or false claims, expired policies, commercialization of private vehicles, disobedience of motor laws, or negligent driving. It might also happen if the car is not your own or you were found drunk driving. This article will cover everything you need to know about the possible problems in your car and why you did not get an auto insurance claim.
What’s Wrong With My Car? Diagnose Problems Before Auto Insurance
We always advise people who are going to get auto insurance to diagnose problems with their car before applying. This way you can minimise the chances of getting rejected from having an auto insurance policy. Instead of saying what’s wrong with my car during the inspection, it’s better to check yourself or talk to an auto expert who can diagnose problems.
Below is the list of things which you can check to diagnose problems with your car before applying for auto insurance:
- Having The Smell Of Gas In The Car
- Vibrations In The Car
- Emission Of White Smoke
- The Car Smells Like Sulfur
- Noises While Turning
- Inability To Start The Car
1. Having The Smell Of Gas In The Car
If it is not coming from your last stop at the gas refill, there are chances of having a broken or loose gas cap. However, if the car diagnosis is over, you can easily replace them with a minimum budget. But if the smell still does not go away, you might be having a leak in the fuel tank resulting in a rainbow puddle underneath the car, or a leak in the filter, fuel injector, or line. Moreover, if you get a check engine light along with the smell, you might be sure of something wrong with the car’s EVAP system.
2. Vibrations In The Car
If the check engine light is on, you should know that there’s something wrong with my car. The plugs and wires might be worn out. Moreover, timing belts or hoses circulating the engine or battery terminals, and their connections might be loose. At the same time, there can be a problem with worn-out brake rotors.
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3. Emission Of White Smoke
You might often perceive a small white vapour that comes out of the tailpipe and wonder what’s wrong with my car. But, that is simple evaporation and condensation. However, what should worry you is white smoke coming out of the tailpipe that doesn’t disappear. It might be that there is a leak and burn in the coolant while entering the engine’s combustion engine.
This will definitely need an expert mechanic who thoroughly does a car diagnosis. It might cost around a thousand dollars and even more if he has to completely replace the engine. If you discover a syrupy smell or your car gets overheated, it might be a coolant leak. The range of issues may include damages to the cylinder head and the engine block.
4. The Car Smells Like Sulfur
In case you find the smell of rotten eggs or hydrogen sulfide in your car, you must have wondered what’s wrong with my car. Well, it might be indicative of the need for a replacement of your catalytic converter. Although this is not an uncommon problem, the repair or replacement is quite costly.
However, it might also happen if the fuel pressure regulator or the filter is not working properly. You will have to get replacements in either case. Finally, if you are using low-grade fuel, such smells are not uncommon. Get the best gas which will help you get the correct levels of octane as suggested by the manufacturers.
5. Noises While Turning
There is no chance that your car has made a squealing noise while turning and you didn’t think what’s wrong with my car. This noise while making a turn is probably because of worn-out parts which can be easily solved by proper greasing. If it clicks as you turn, the issue lies either in the boot or CV joint. There might be a clunking sound when you are not turning but just driving. Contact a mechanic who can run a car diagnosis. Additionally, if you cannot properly steer the wheel, check the power steering liquid.
6. Inability To Start The Car
It might be because when you turn the key the engine cranks, makes a clicking sound, or is silent. You can get to the issue by recognizing the sound as soon as you start the engine.
These are the 6 signs that you can recognise at your own end and get fixed before applying for auto insurance. You take care of your car and the car will take care of all your needs. So looks better to hear everything is fine with my car, not what’s wrong with my car.
Top 10 Reasons You Might Be Rejected For Car Insurance In 2022
We all want safety in life no matter what the situation is whether it is in health, financing, investments or automotive. It is a smart decision to get insurance so that if anything bad happens, you are covered in advance. Unfortunately, we humans make mistakes knowingly or unknowingly which can cause rejection. The same are listed below where your car insurance might get rejected due to some reasons. Here are the top 10 reasons you might get rejected for car insurance in 2022:
- Dishonesty And False Claims
- Expiry Of Policy Or Not Renewing Insurance
- Violating Motor Laws
- Not Disclosing Modifications To The Car
- Late Intimation Of Claim
- Exclusionary Claims
- Consequential Losses
- Commercializing Private Cars
- Removing The Car From An Accident
1. Dishonesty And False Claims
Maintain utmost honesty while filling up the proposal forms. Dishonesty may decrease the initial premium but lead to rejection of car insurance later on. If fraudulent claims are found out by the insurance company, not only will the insurance be rejected but also legal charges will be filed.
2. Expiry Of Policy Or Not Renewing Insurance
It is important to keep a track of renewing your auto insurance periodically. Expiry of policy will lead to rejection of car insurance no matter how serious the damage is.
3. Violating Motor Laws
If your car is recorded to have violated motor laws that are designed for safety like drunk driving or driving without a license, your claim will be rejected because you are prone to accidents and the company will not take that burden.
4. Not Disclosing Modifications To The Car
After buying a car, it is natural to make some modifications like installing a CNG kit or some safety measure. Some modifications will hike up the premium price while others will lower it. But no matter what the insurance price will be invariably affected. So, if you do not disclose these modifications while applying for the insurance, your claim might be rejected.
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5. Late Intimation Of Claim
To claim your insurance, you have to follow the process specified by the company. So, if you do not inform them about the damages within a particular time period, or do not have proper documents, they may reject the claim.
6. Exclusionary Claims
If your claims lay outside the situations that the insurance covers, they’ll be rejected. Most common of these include worn-out parts, using the car illegally, and driving beyond specified geographical limits.
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7. Consequential Losses
If you already drove a damaged car that got worse and damaged the engine, the car insurance policy generally doesn’t cover it.
Maintaining your car is your own responsibility. If the damage is due to your negligence, your insurance claims will be rejected. We have mentioned a list of a few things above that you can do yourself to diagnose the problems.
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9. Commercializing Private Cars
There are different insurance policies for private and commercial cars. If it is found you were commercializing your private car, the company will reject your claim.
10. Removing The Car From An Accident
Do not run away with your car from an accident even if you’re stressed. In order to grant the insurance, the company representatives will inspect the car at the site and would reject it if it was not there.
Getting auto insurance might be tricky. There are various clauses to it that we often tend to overlook. So, if you want your claim to be accepted, make sure you have no loopholes in your proposal form because if you do, they will be discovered in the long run thereby cancelling the insurance claim.