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Filed under auto insurance claims questions.
What are the Top 5 things should I know about car insurance claims?
In a nutshell, here are the top 5 things you should know about insurance claims:
What’s your coverage? This is something you should be aware of when you sign the policy and for the duration of the plan. It eliminates the surprise factor and even can make you a more careful driver on the road
Don’t take your time when filing an insurance claim – You need to process your claim as soon as possible for one reason – you might forget what happened and this can become complicated during the claims process.
Avoid saying it’s your fault – This could open up a can of worms mainly related to negligence on your part. It would also make it difficult to get your claims approved and could bring about an onslaught of legal problems.
Avoiding the need to file a claim for minor damages is more advisable than filing claims for every incident on the road. This is because the deductible might be higher than the cost of repairs
If you were not at fault, don’t be afraid to make a claim for fear of increased premiums. This is why you have car insurance – to protect you from unexpected expenses. On the other hand, if you can and you are not at fault, make the other party file a claim on his insurance to pay for the damages to your car.