Ingredients
· 1 cup + 2 táblespoons áll-purpose flour
· 3 táblespoons unsweetened cocoá powder
· 1 teáspoon báking powder
· 1/2 teáspoon sált
· 2 cups semi-sweet chocolá te chips, divided
· 2 ánd
1/2 táblespoons unsálted butter
· 1/2 cup gránuláted sugár
· 1/4 cup light brown sugár, pácked
· 2 lárge eggs, át room temperáture
· 2 táblespoons whole milk
· 1 ánd
1/2 teáspoons vánillá extráct
Instructions
· Preheát oven to 325 degrees (F). Line two lárge báking sheets with párchment páper,
lightly spráy them with non-stick spráy, ánd set áside.
· In á medium-sized bowl whisk together the
flour, cocoá powder, báking powder, ánd sált;
set áside.
· In á lárge, microwáve sáfe bowl, combine
one cup of the chocoláte chips ánd the butter. Heát them in the microwáve, on
low power, in 15 second increments, mixing in between eách, until butter ánd
chocoláte áre completely melted ánd cán eásily be whisked smooth. Whisk in the
vánillá, then whisk in both sugárs. Beát in eggs, one át á time, beáting well áfter
eách áddition. Beát in milk.
· Ádd the dry ......
· .......
· ..........
Full Recipes : bakerbynature.com
Here are Five Lesser Known Reasons behind the Rejection of Car Insurance Claims
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As per law, buying vehicle insurance is a mandate for every automobile owner in India. The advantage of having car insurance is fulfilment of your legal liability and financial security.
There can be times when people can find it difficult to understand why their insurance claim has been rejected. If you don’t want to be in a similar situation, here are some of the lesser known reasons that will help you to file your claim successfully.
Understanding the Reasons behind Third-party Insurance Claim Rejection
Here we have summarized the five main reasons behind the rejection of car insurance claim by car insurance providers:
Damages which are not a Result of a Disaster - Insurance policies offer coverage for the covered damages. Any additional damages are not covered under the insurance policy. If you file a claim for the uncovered damages, your claim would be rejected.
Non-disclosure - If you didn’t reveal any information at the time of buying insurance or filing the claim, your claim would be rejected.
Exclusions - Insurance plans come with terms and conditions. If you didn’t file the claim as per the applicable terms and conditions, your claim would be rejected.
Fraudulence - If your actions or behaviour appear to be fraudulent to the insurance provider, your claim would be rejected.
Inactive Policy -If your policy status is inactive and you file a claim; your claim would be rejected.
Let’s explore these points in details so that you can avoid these pitfalls at the time of filing your next insurance claim.
1. Damages Which are not a Result of the Disaster
Before filing the claim, you need to know what kind of events you are insured against. If you do not know this, you may be misled into thinking that a particular event is insured under your vehicle-insurance when in fact it is not.
In case your automobile is damaged due to the uncovered event, the insurance provider will reject your car claim.
In a majority of cases, the vehicle is insured against natural disasters. That being said, the insurance provider specifies the covered natural disasters in the policy document.
Similarly, if your automobile is insured against accidents, the insurer will only accept the claims resulting due to traffic-related accident. Accident due to any other reason will not be considered.
2. Non-disclosure
As a part of the agreement between you and your insurance provider, you are obligated to disclose all relevant information at the time of buying or renewing an insurance policy as well as filing the claim. If the insurance provider finds out that you have provided incorrect information or withheld important information, the insurer will reject your claim.
While your insurance claim gets rejected, it affects your credibility when it comes to buying a fresh insurance or renewing your insurance.
Some of the common non-disclosure scenarios are as follows:
Not disclosing that you have filed insurance claims for your automobile (if any).
Not disclosing that you have been charged with criminal offence(s) (if any).
Not disclosing any existing damages on your automobile, most often damages to the roof of the automobile (if any).
If you are unsure of when you are expected to disclose information, we have listed some situations wherein you are expected to provide the accurate information to your car insurance provider.
When you fill out the claim form.
When your automobile is inspected by the insurance officer. This is the best time to disclose all the information regarding your car. Additionally, feel free to share anything you feel is important.
When any new information is made available to you, that you feel must be shared with your car insurance
Note - Not sharing information because you were not asked about it is also a case of non-disclosure, which can result in your claim rejection.
3. Exclusions
All the insurance policies come with a set of exclusions. Here is an example of automobile insurance exclusion:
If your car is insured against theft but you left your car unlocked in a secluded location, the insurer will reject the theft claim because the theft was caused due to your negligence.
It’s advised to thoroughly understand your automobile insurance policy in order to know about the events that are included as well as excluded. Most insurance policies come with exclusions on the basis of the insurance premium that a policy attracts.
Some common examples of exclusions with respect to automobile insurance are:
Damages caused by prolonged exposure to the sun, water or arid land.
Situations resulting from the negligence of the automobile owner.
Natural disasters that is rare for the region in which the insurance agency is providing insurance cover.
4. Fraudulence
If you deceive the insurer or act in any manner that could lead the insurer to be deceived by your actions, it will be considered as fraudulence. This will adversely affect the chances of your insurance claim to be accepted.
In any case of fraudulence, the insurer will establish that you consciously intended to deceive the insurer and if it is successful in doing so, it can involve the local police authorities and charge you with criminal offences.
Although, there are exceptions when it comes to the insurer rejecting your claim based on fraudulence. The insurer cannot reject the insurance claim for a minor fraud or fraudulent activity that was not a result of the active participation of the automobile owner.
Before processing the claim, insurance companies make sure that the claim fulfils all the applicable terms and conditions. In order to avoid any claim related fraudulence, cross-check the information you provide to the insurance provider be and make sure you have evidence such as photos or witnesses for your claim.
If you feel that the insurer is investigating you for fraudulence and you didn’t try to deceive the insurer, you can seek legal help from a lawyer to protect your rights.
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5. Cancellation of Policy
Since the insurance policy is offered by the insurance provider, it has exclusive right to make changes to the policy. Insurance providers include subtexts in the insurance policy terms and conditions that give them the privilege to alter, modify or cancel the insurance policy at their discretion by stating valid reasons.
The insurance provider can choose to discontinue the insurance policy as a precautionary measure to avoid risk.
Here are the reasons why policies get cancelled:
Non-payment of insurance premium by the insured party despite warnings from the insurer.
If the insured didn’t disclose complete information.
In a Nutshell
Such are the reasons that can be responsible for the rejection of your insurance claim. You can read your policy document or get in touch with your insurance provider to understand the claim process and documents required at the time of filing the claim.
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