Solutions to 4 Common Problems Involving Car Insurance Claims

Car or motor insurance covers the risk of a destroyed car caused by theft, traffic collision, or natural calamities. Auto insurance may be mandatory upon withdrawal of your driver's license, or it could be optional depending on the state. However, the big problem with auto insurance is when policyholders make claims. Here are common issues involving auto insurance claims with their solutions.

Stale Claims
An insurance claim comes with an expiration date. Unfortunately, there is no fixed length of time to file your claims from the insurer. The best thing to do is to file your claim as soon as possible after the incident. In case of delays, the insurer will not pay up or would not honor your claims. To avoid a problem like this, talk things out with your agent beforehand. Also, it is better to see the fine print relating to this issue, and file claims without delay.

Insufficient Documentation
It is not easy to convince the insurance company to pay up your claims if you have no documentation with you. You cannot simply walk into the office and ask the claims department for your money. If the documents are not in the right order, then you may encounter a greater delay. Always make sure that you have with you all the required documents if you want your transaction to be smooth. Also, try to ask your agent about these requirements at the moment you sign your policy.

Unclear Insurance Coverage
There are cases when the insured does not know exactly the amount of coverage that he has. Thus, he might end up not claiming anything for a particular incident. This immense frustration can be avoided if the insurer makes sure beforehand whether the insurance policy covers this or that. He should also ask the agent how much the coverage is exactly. Also, he must ask whether there are exceptions to these conditions.

Lack of a Police Report
File a police report when you experience an accident. Without a police report, there may be delays in receiving your claims. If the accident is a minor one, you may hesitate to report this to the police, but you have to if you want to file for a claim. The rule is that you shouldn't make any assumptions. Get the police report that you need before you contact your insurer. In case they don't need it, no problem, but if they do, then you know you're good.

Some Final Words
Auto insurance claims may be tricky but, as long as you follow all the rules of the company and you have the required documents, you should get your claims. Don't give up because you deserve that insurance that you have been paying for every month.

At AllRisk Auto Insurance, LLC, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (360) 693-4044. Get your free quote today by CLICKING HERE.