If you have a car or a bike, then you must have got it insured. In India, third-party insurance is necessary for all cars and bikes and all types of vehicles. Apart from this, people also get different types of insurance. So that they can get maximum coverage.

But whenever people get insurance, some rules and conditions always apply in it. An insurance claim is given on the basis of them. If an insurance holder breaks any rule or condition, then his claim gets rejected.

It has been seen many times that often people park their cars outside the office or outside any place. Then it gets stolen. At the same time, many times vehicles get stolen from outside the house itself. You get insurance when the car is stolen.

But there is a condition for this. That condition is that you should have the car keys with you. If you leave your car keys in the car. And because of this someone steals your car. Then in such a situation your insurance claim can get stuck.

Actually in car insurance, insurance companies check whether the car owner has any fault or negligence in the car theft. If it is found so. Then the claim can also be rejected.

In such a situation, insurance companies can reject your claim citing "negligence case". That means you were the owner of the car and you did not take full security regarding the car. Because of this the car was stolen.

But if you take a comprehensive insurance policy. And you prove that someone has forcibly snatched your keys and ran away. Then in such a situation you can get a claim. That is why keep these things in mind especially.