Category : Auto & Motor
When people purchase car insurance, they usually expect claim settlements to go over smoothly. While it is true that car insurance companies are entitled to settle damages for you and your car, the process is not as easy as 1-2-3.It is long and sometimes tedious. If not handled properly, a claim can even be denied.
In order for you to be prepared in facing unwanted problems with regards your car insurance claims, you must be aware of them. It is much better if you know how to quickly take care of the problems or avoid them altogether.
Here are common care insurance claim problems and tips on how you should face them:
- You don’t know what to do.
While many people purchase auto insurance, only are few are informed on what to do during the time they need to make claims. Therefore, they end up paying for an insurance they have not used.
Read your car insurance policy and ask the holders relevant questions so you will save time and effort when the time comes. It’s also advisable that you visit reliable sites, like comparaencasa.com, to view the procedures you need to undergo. Avoid relying on the insurer as they may lead you into paying more.
- The process is taking too long.
There is no specified length of the process in claiming settlements. In fact, it depends on the insurance company. When the process is taking too long, it may be because problems have arisen along the way.
If you want to avoid time-consuming process, report directly to your car insurance company once you wish to make a claim. The longer you make your report, the longer it will take for policy holders to track their insurers and deal with the issue.
- The information you gathered is insufficient.
Even if the car insurer wants to settle your claim quickly, they can’t do it if you fail to provide the information they need. It’ll be easier if you have documented the details about the accident properly.
Right after you’re involved in a car accident, exchange information with the other driver. Get his name, driver’s license, proof of insurance, vehicle registration and describe how the accident happened and how many people are involved. Take pictures of the damage done. If it’s possible, secure a police report.
- You don’t have enough money to pay for deductibles.
In an effort to save money, people often increase their deductibles and end up not being able to pay the amount when they encounter an accident. If you have failed to purchase sufficient coverage for your insurance, there is nothing you can do when you make a claim.
Before you purchase car insurance, try to imagine the worst thing that could happen and do your best to cover them. Choose a deductible that is affordable for you. If you want to save, there are other ways to do it. Browse reliable sites like comparaencasa.com to know how.
- The insurance claim is denied.
When an insurance claim is denied, it is usually because you have overlooked some things including: unpurchased insurance for the claim you submitted, missed payment for the coverage to take effect, and exceeding of the policy limit.
If you feel that you have not made any of the mistakes stated above, then you should write to the insurance company. If you feel that you were misled by an ambiguous policy terms, you may need to discuss the problem with your lawyer.