After the death of former Tata Sons chairman Cyral Mistry in a road accident, many questions were raised about seat belts. Keeping in view the road safety, the government made it mandatory.
It will be mandatory to seat not only in the front seat of the car but also on the back seat. After this accident, questions have also been raised about the insurance claim after the accident, whether the insurance claim can be rejected if the seat belt is not worn. If you also have this question in your mind, then we are telling the answer to it.
Will the insurance claim be rejected for not wearing a seat belt?
We insure the safety of our family and loved ones in case of any untoward incident. But many times you must have seen that insurance companies reject your claim by making some excuse or the other. Many a times, by not giving you the claim amount, it reduces the sum insured. Claims have been often seen getting rejected especially in cases like accidents. In such a situation, many questions arise in the mind that if an accident occurs due to negligence or violation of rules, will the claim be rejected? Will the insurance claim be rejected if the seat belt is not worn?
What the experts say
Insurance sector experts say that even if the accident occurs due to negligence, insurance companies cannot reject the claim of vehicle damage. Even if the person sitting in the vehicle did not put on the seat belt and the vehicle becomes a victim of an accident, even then the claim cannot be rejected on the basis of this. Pawanjit Singh Dhingra, Joint Managing Director, Prudent Insurance Brokers said that insurance claim cannot be rejected on the basis of seat belt or not.
Requirements for an insurance claim
Even if the accident happened due to human error or due to violation of rules, then the full benefit of the insurance policy will be available. In this regard, Sanjay Dutta of ICICI Lombard General Insurance says that most of the cases are due to human negligence, but this does not mean that the insurance claim should be rejected. That is, it is clear that wearing or not wearing a seat belt does not affect the rejection of the insurance claim.
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