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!
Popular How To Guides
How to Plan Your Dog’s Meal on a Budget
Giving our pets the best food is the dream of every pet owner but sometimes financial restrictions hamper these dreams...
How To Prepare for Your Auto Insurance Policy
Many lives have been saved as their auto insurance ensured that they were quickly and adequately treated when they were...
How to Make a Small Space Work on a Budget
If you find yourself in need of storage Stratford solutions, then you will need to look at your budget. This...
How To Select A Reliable Business Car
As a busy business owner, you’re going to be travelling quite a lot. For your company car, you’ll want a...
How To Select The Best LIC Insurance Policy
LIC the top insurance firm in India which provides a wide range of LIC policy plans in various sectors. It...
How To Plan The Perfect Places To Visit in Colorado
Colorado is internationally known for its stunning mountain ranges, wildlife, and outdoor activities. Denver, its capital offers numerous museums for...
How to Make a Successful Blog 2018
As we’ve just entered 2018, we suggest that blogging can be one of the best methods to share your ideas...
How To Create the Perfect Garden with These Tips
If it is all about your first home or you want to spend your retirement developing a beautiful garden, the...
Business3 years ago
5 Things You Must Consider Before Starting A Construction Company
Cars & Vehicles3 years ago
How To Deal With A Driving Offence (Quick Tips)
Non Featured1 year ago
How To Get Into A New Sport: 10 Inspiring Tips
Games / Video Games1 year ago
How To Connect a Mouse and Keyboard to Your PlayStation 4
Cleaning5 years ago
How to Make a Shower Tray Look Like New
Fun1 year ago
How to Survive a Zombie Apocalypse
Business4 years ago
How to Make Your Own Mini Conveyor Belt
Home Maintenance & Repair4 years ago
How To Build Your Own Fitted Wardrobes