In what instance might a policyholder's claim be denied during the claims process?

The correct answer encompasses all the options presented, as each scenario can indeed lead to a denial of a claim during the claims process.

A claim may be denied if the policyholder is found to be lying. Insurance companies rely on the accuracy and honesty of the information provided by policyholders. If any deceit is uncovered, such as misrepresentation of facts at the time of the application or during the claims process, the insurer has grounds to deny the claim citing fraud.

Additionally, a claim could be denied if it exceeds a specified monetary limit set within the policy. Insurance policies often include maximum payout limits for specific types of claims, and if a claim surpasses this threshold, it can be dismissed.

Finally, if a vehicle has been modified without the insurance company's knowledge, this can also result in a denial. Policies usually require notification of any significant changes to a vehicle because such modifications can affect the vehicle's risk profile or insurability. Failure to disclose this information can lead to claims being denied due to a breach of policy terms.

Thus, if any of these situations arise, they can justifiably lead to a denial of a claim, supporting the conclusion that all of these circumstances could result in claim denials.