covers your car against risks like theft, accident, explosion etc.
Filing car insurance claims may seem to be just the logical solution when you have been engaged in an accident. However, it is equally important to be sure if you have understood the intricacies involved in motor insurance, as it is in evaluating whether you have all the information required to file a claim. Here are some of the points to ponder when you think it is time to file insurance claims.
Have you got the right information? That is a tough question indeed, especially when you have been involved in a trying situation such as a car accident. However, it is all the more important that you get as much information as you can about the parties involved and the situation. Most people may think it is good enough to have the registration details and the details of the persons involved – but it does help to have as much information as is possible. For instance, if the situation calls for it, it would help for you to have details of any third-party witnesses too. Not only would it help in increasing accuracy, but it would also help in establishing the authenticity of the Accident and give it some vital context.
Have you gone through the motor insurance policy? Granted, in the days of online insurance, when everything happens at the speed of thought and is all made seem so easy, we may not go through the details. However, it is important to read through the fine print in the document attached with your online motor insurance, or to read through the clauses in your insurance – find out what is covered, what is not, and what your responsibilities are and the clauses attached. It does make a difference to your insurance claims when you have understood your own Policy better.
Have you been paying your car insurance premium? It may seem all too obvious, but the very essence of paying your insurance Premium on a regular basis boils down to this very instant. You may want to be sure if you have been holding an insurance that is legally valid to stake a claim.
Are you jumping the legal gun? The law is universal, but its clauses are fine. There have been instances where people involved in an accident have thought they were at fault and have readily accepted liability and have settled claims. To the contrary, they may actually not have been at fault and the law may find that they are on the right indeed. Go through the proper process and wait for the decision by your insurance company.
These are just some of the factors that you may want to give some serious thought about when you think it is time to file insurance claims, to prevent mistakes and to avoid Claim rejections.