Car insurance denied reason being blacklisted driving licence

719 votes

There have been a lot of precedents set by the Consumer Courts which have allowed insurance claims of drivers not having a valid driving licence. I myself have handled such a case and the law set is that if a claim cannot be rejected solely for the reason that the driver did not have a valid driving licence and the Insurance company has to pay 75% of the claim amount. But the process of proof is difficult and it all depends on the discretion of the judge presiding over.
However, it can be pursued after ascertaining the correct facts and analysing that no other loop hole is left in the policy claim.
In my opinion sending a legal notice to the insurance company in the correct manner might also pressurise them to give the claim and settle the matter outside the court.

Advocate Aditya Gupta LawRato