Auto insurance claims is one of the areas of auto insurance that many people are not aware of. In fact, even the people who have auto insurance policies for a number of years stay ignorant about the nuances of claims until there is a need to file for it. This ignorance is the main cause for many misconceptions about car insurance claims. Here are a few that you need to be aware of.
Most of the people think that claims can be filed even for the most trivial issues. The ones who have been driving without any claims for a long time, sometimes file for the claim even if it is only the windshield that has been damaged. This can be detrimental. Once you file the claim, the insurance company classifies you as a liability and hence the premiums for the coverage in the following year increase. The cost of getting the windshield replaced is definitely cheaper than paying high premiums year after year. Hence, if the repairs are minor, ensure you get it done without filing for claims.
One of the other misconceptions is that every time an insurance adjustor asks you to record your statement, you cannot deny it. The truth is that you can choose whether you want to provide a recorded statement or not. Anything that you say as a part of the statement you make can be held against you when deciding to award the claim. If you do plan to go ahead and give the recorded statement, ensure you recall the incident carefully and use the right choice of words. If you have an attorney handling the process for you, ensure you speak to them and review the statement before giving it.
Never expect the insurance adjustors to be fair when it comes to awarding claims. Their prime interest lies in saving money for the company and minimizing losses. Most often than not, insurance adjustors find reasons to reduce the claim amount or sometimes even deny it. If you intend to win the claim, ensure you have sufficient proof handy that can work in your favor. Engaging the services of a good practicing attorney is recommended in case of excessive damages where the claim amount in generally high.
Whenever you purchase your auto insurance coverage, it is always recommended that you read the terms and conditions segment and increase your awareness about the claim process that the provider follows. This will help you gather required evidence to file a successful claim.
