Connect with us

Cars & Vehicles

How to Make an Insurance Claim: Things to Consider

Independent investigators are handling around 12,000 complaints about insurance claims a year. They’ve gotten out of control the past few years, suspectedly because of the way the policies are confusingly worded. If you ever need to make a claim on your home insurance or car insurance, you’re going to want it to run as smoothly as possible, so here’s how to make a successful claim in the event of a car accident or damage to your home:

Making A Car Insurance Claim

If the car accident has injured anybody or has posed a hazard to other drivers, make sure you dial 999. If the driver drives off or is obviously drunk you should also phone the authorities.

Don’t admit that the accident was your fault or offer to pay for the damage. Let the authorities decide who is to blame. If the other driver admits they were at fault or offers to pay, be sure to tell your insurer.

If there are any witnesses, be sure you get there names addresses and phone numbers. Be sure you have the contact details of anybody else involved too. Also be sure you write down the time and date for future reference.

By law, the other driver MUST give you the details of their insurance policy. Ask them for the details and write them down.

People often neglect to take pictures of the incident right away as they can be in shock. If you or anybody you are with has a camera phone, take pictures of the scene and all the vehicles involved. This can be beneficial in case the other driver tries to blame you for the accident.

To help things along further, you can make a drawing of where everyone was after the accident and the road layout. If you are going to do this be sure you do it soon after the incident.

You can also record other bits of information to help you, such as the speed limit of the road you were on and weather conditions.

If the police do turn up to the scene, get their names and collar numbers to give to the insurance company as they are effectively witnesses too.

Let your insurance company know ASAP.

Making A Home Insurance Claim

Most insurers have a number you can ring 24/7, so if something goes wrong in your household (e.g a burst pipe) call the insurance company before a repair man. The insurance company may have reliable repair men that can help you right away. This is particularly useful if you have insurance for landlords as the landlord will simply contact the insurance company and they will handle everything.

Be sure you know if emergency help from your insurer is extra or comes with your policy.

Follow the instructions your insurer gives you down to a T, and be sure you put in any claims before the deadline.

To speed up the process you should take as many pictures of the damage to your home as possible to show your insurer.

Expensive items may not always be covered on your policy if you don’t have proof of purchase. Keep receipts to anything expensive you may buy.

Exaggerating will not leave you in good stead and your entire claim could be thrown out. Don’t give any false information!

Continue Reading
Click to comment

You must be logged in to post a comment Login

Leave a Reply


Popular How To Guides

Travel5 hours ago

How To See the Sights of London in One Weekend

If you have never been to London before, you may be wondering where to start with a plethora of landmarks...

Finance1 week ago

How To Trade Forex – Forex Trading Tips You Shouldn’t Ignore

The stock market can be an extremely profitable way of earning a living, however, it can also be highly stressful...

Sport2 weeks ago

How to Prepare for a Coaching Session

Fail to prepare, prepare to fail – the mantra of any good coach. Before any training session, as a coach,...

Fun3 weeks ago

How To Become A Competent Hunter

Public interest in hunting had hit a bit of a lull between 2015 and now. However, 16.9 million hunted in Spring of...

Social3 weeks ago

How To Get Your Kids Ready For Their First Baseball Game

The first baseball game that you kids play is an exciting time for a parent. There is no better feeling...

Games / Video Games4 weeks ago

How To Start Following Horse Racing

Following horse racing is one of the world’s most popular pasttimes, particularly with those who wager on a regular basis....

Technology4 weeks ago

How To Convert and Download YouTube videos to your Local Hard Drive

YouTube is a great platform but the second you lose your internet connection, it becomes obsolete. Without a steady connection...

Games / Video Games1 month ago

How To Play The Lottery: Five Things You Need To Know Before Playing

Lotteries are the world’s most popular form of gambling, as the low stakes with potentially life-changing returns are just too...