Car Insurance Claims - Four Things You Shouldn't Do
Your car insurance company is there to protect you and will do the heavy lifting for you when it comes to the details of your claim. There are common mistakes that you should steer clear of while dealing with the aftermath of an accident. When it comes to car insurance claims, here are four things that you should never do.
1. Never Delay Contacting Your Insurance
You shouldn't be slow to contact your insurance because you are scared this might raise your rates. If you aren't sure if an accident warrants an insurance claim, it doesn't hurt to call your insurance provider for advice or information. If something is outside of your coverage, such as damage under your premium's minimum amount or if another party decides not to file a claim, this won't be counted against you.
2. Don't Put off Going to the Doctor
If you have even minor pain or injuries from an accident, it is imperative you have this looked at and documented. This information must be provided to your insurance, and they will hash this out with your medical provider and with other insurance agencies. Not only is this important for your health, it is important to have this in your case file on time and documented.
3. Don't Give in to Pressure from Another Party
There might come a time where you are involved in an accident and the other party is reluctant to get this on record. At the very least, do not let an individual leave the scene without getting their information. It can be hard to assess initial damage, and you might have injuries that haven't surfaced. Don't feel guilted into dealing with someone off the books. You have the right to file a police report and report the accident to your insurance.
4. Don't Have Repairs Done Before You Can Pay the Deductible
Make sure you understand when you will be required to have your deductible available. If you have your car fixed, you most likely will be required to pay for your deductible once repairs are complete. Insurance companies usually will hold payment to auto shops if you cannot come up with your portion of the payment. Your car can be held until you are able to pay the amount owed.
Car insurance is there to help you, but it is up to you to take the right steps after an accident. Make sure that you file claims when it is warranted, and use your insurance correctly and professionally. Keeping on top of your responsibilities and communication lines open will help with your insurance claim process.