When filing your car insurance claims, it is not enough that you gather and complete all necessary documents to initiate the process.
The integrity of the information you provide is one significant matter that cannot be overlooked. Below are the five claim questions that require honest answers from you.
Where was the car parked?
Let’s say your vehicle was unfortunately stolen. The insurer asks you where you parked your car, and you told them inside your house garage. But the truth is, you park outside the house right on the street.
When the insurance company does their investigation and finds out the truth, you can forget about the claim and better think of ways on how to replace your vehicle.
Is your car used for personal purposes alone?
If you utilize your vehicle for anything other than driving yourself to and from work, you must declare this to your insurer. Whether it’s for delivering goods or food items, what you need is commercial car insurance.
Are you claiming against car theft?
Car theft is an unfortunate event anyone could experience. But never try scripting a drama of fictitious car theft to get coverage and be paid. If the insurer finds out that you faked your vehicle being stolen, strict and legal actions can be taken against you.
Who was the driver of the car during the incident?
If the individual driving your car is at the right and legal age and carries a valid license to drive, your insurer will be paying for claims provided you gave your permission to take the vehicle out.
Making up stories on who was behind the wheels just because it was a minor or someone intoxicated will not only cause your claim to be rejected but could also make you legally liable.
What is your car’s valuation amount?
In general, external accessories are not covered by insurance. If you decide to lie about the value of your car to include lost accessories, the claim process will be delayed or denied.
Keep in mind that the insurance provider has the legal right to deny claims, impose penalties in the form of higher premiums, or cancel a policy if you were lying. Misguiding the insurer to get an application processed is never a good idea. So, be honest and provide precise answers only.