Friday, March 13, 2020

3 Tips To Help You File A Car Insurance Claim

Car insurance is there to protect you in the event of a crash, so you don’t have to pay for repairs out of pocket. It can help you to avoid financial problems after an accident, but a lot of people don’t know exactly how to make a claim or whether they even should in the first place. But if you make mistakes during the claim process, it could push your premiums up and cost you money. 

If you have been in an accident and you need to make a claim on your car insurance, here are a few important tips to help you through the process.

Only Claim In The Right Circumstances

Some people assume that you should always make an insurance claim if there is damage to your car, but that isn’t the case. When you make a claim, you will have to pay your insurance deductible and the more claims you make, the higher your insurance will be in the future. If there is only minor damage to the car, you should consider paying for it to get fixed yourself if it is going to be cheaper than paying your deductible. If you can avoid making lots of claims, you will benefit from a no claims bonus and find it a lot easier to reduce your car insurance bill in the future. 

Make Sure You Have The Right Paperwork

If you do decide that you want to file a claim, you need to make sure that you have all of the right paperwork in place. When you report the crash to the police, they will create a crash report with the details of the accident. You need to give this crash report to the insurance company when you make a claim so they know exactly what happened. It is also important that you document the damage to the car, so make sure that you take lots of photos at the scene. The more information you provide, the quicker your claim will be processed. But if you make mistakes, it will slow things down and could even cause your claim to be rejected. 

Wait For A Response Before Making Repairs

We are all reliant on our cars and we can’t do without them for too long. However, you should wait for a response from the insurance company before making any repairs, if possible. There is a chance that the insurance company will not approve your claim and you will have to pay for them yourself. If that is the case, you need time to shop around and find the best price, so don’t rush into anything before you hear back from the insurance company. 

If the claim is taking a while and you are worried that there may be an issue, do not hesitate to get in touch with the insurance company and chase them up. 

As long as you follow these simple tips, you can make sure that your claims are approved and your insurance costs stay low.

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