Who said you can’t find a cheap car insurance agency to work with? While car insurance is at an all-time highest in 2023, there is still the possibility of saving money on your auto insurance policy. Simple things like changing your deductible and/or policy limits, asking for discounts, improving your credit history, and shopping around can help you find cheap car insurance quotes.
Regardless of the route you choose to follow, you need to find answers to all your burning questions. The last thing you want is to miss out on compensation merely because you failed to share the correct information with your insurer. In this simple guide, we examine some of the most frequently asked questions when taking up car insurance.
How Do I File a Car Insurance Claim?
Filing a car insurance claim can be stressful, especially for the first time. Not to mention that each insurance company has their own process and tools in place. But there are a few things you can do to make the process easier.
In the event of an accident, immediately call your car insurance agent. This is the ideal time to give clear explanations of what transpired, and find out what your policy covers as well as any deadlines for filing a claim.
Depending on the nature of your claim, you may have to include a police report, photos of the damage, and the names and information of any other person involved in the accident. Your insurance company should be in a position to provide you with a list of documents or information to include.
Why are Car Insurance Claims Denied?
There are three instances when car insurance companies might deny claims. First up is when the driver is someone who lives with you or has access to your car and is of driving age but not on your policy. The same goes if you were using your personal car for business purposes at the time of the accident. Last but not least is when the car isn’t ‘garaged’ at your house.
