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You’ve received a coverage denial letter in the mail after an auto insurance claim; so why has the auto insurance company done this and how can you make sure it doesn’t happen to you when you come to claim on your car insurance?

Firstly, your car insurance company will issue a letter of denial if they complete their claim investigation and determine there is no basis for paying the claim. The most common reasons for issuing a denial of claim typically include; the claim is covered by a policy exclusion; non-payment of premiums has lapsed the policy coverage; failure to disclose material information when applying for insurance coverage; and equally serious, a fraudulent claim.

By far, the most common basis for denial is because the claim is covered by an exclusion clause in the policy. You can help yourself by making sure you are aware of what your policy excludes before you take the coverage out. This is where comparing auto insurance policies is a handy skill to have and by no means is it an easy one to acquire. Nevertheless, once you have the policy in force you need to be able to find your way around the policy conditions and exclusions so you minimize the risk that an incident will not be covered.

More serious reasons for denial of coverage are misrepresentation and fraud. Misrepresentation of facts on your insurance application will invalidate the policy and you will not be covered; at best all you’ll be entitled to is a refund of your premiums and at worst, liability for the damage caused which may run into tens of thousands or more.

Fraud is very serious, as it is frequently a criminal offence as well as having insurance coverage implications. Claiming for an in-car DVD system when you simply had a basic radio, adding items not in the car when it was stolen or inflating the value of your vehicle above what it was really worth are good examples of insurance fraud. In fact, most insurance fraud is easily spotted but the ramifications are dire;

When you discuss the claim with the insurance investigator, never say anything you are not sure of. If you are asked to provide an immediate answer to an investigator’s questions simply advise them that you cannot be completely accurate and you will answer when you can be as accurate as is possible. Never sign anything you do not understand; this is good advice for several reasons not least that an insurance company will be looking to minimize the claim’s dollar amount (as it directly reduces their profits) and limit any potential liability from the accident or claim, for instance, you have an accident however you only develop health issues related to the wreck several months later. If you signed a waiver, you have no basis to go back to re-open the claim and you will not be covered. Always ask for questions and queries to be dealt with in writing so you create a record of what has been discussed and any mutual understanding just in case you have to go to court; remember you will have the burden of proof in proving your claim but the insurance company will have the burden of proof to show they have denied your claim properly.

Never admit liability or that anything that occurred was your fault. In most cases, this nullifies your coverage! 

So, you have some scratches on your car, do you need to file an auto insurance claim? You surely can, but you might want to really think about it first. One thing is for sure that every time you file a claim with your insurance company your premium will go up. This is one thing you have to consider. Are you willing to take that rise in premium in exchange to have a few scratches fixed?

Another thing you have to worry about is your deductible. Is your deductible more than it will cost to repair the scratches in the first place? If so, is it really worth filing the claim, seeing that rise in the premium, when you will have to pay for it out of pocket anyways? These are things to consider.

If after considering these elements, you still want to file an auto insurance claim here is how:

The first thing you must do is let your auto insurance company know about the incident right away. You will also want to take a look at your auto insurance policy and determine if you even have a claim to begin with. The amount of coverage, as well as the specifics will determine whether you can file a claim with your insurance company.

Next, you will want to write a claim statement. This statement will detail the events that led up to the damage, if you know them. If you had your car parked in a parking lot and noticed the damage when you went to get into your car, you might not know what happened. You will need to put this in your claim; you want to be as honest as possible.

Provide pictures to support your claim and detail the damage. The more details you provide of the incident and the damage, the better your chances of receiving approval of your claim. You also want to be certain that you understand your policy or policies as it stands right now.

Finally, make sure that you keep an account of everything that has to do with the claim that you are making. This means write down any discussions with the insurance company, the police, and so forth. Document dates, keep copies of all reports, receipts, and filings.

When you follow these tips, you will have no problems in filing an auto insurance claim when you need to repair damage that has been done to your vehicle.

There are six things you need to know in order to properly file an insurance claim with your insurance company. These things include getting a police report, call your insurance, write a claim statement, follow events of claim, check all policies, and be honest.

When you file an insurance claim you need to remember that the insurance company will look at it in two ways; either comprehensive or collision. This usually depends on the type of accident that occurred. If the accident was collision then your rates will not increase. If the collision occurred while operating the vehicle then it will be considered collision and your rates will increase.

The first thing you need to do is file a police report when you need to file an insurance claim. Many insurance companies will not consider any damage to your vehicle unless there is a police report filed that they can have. If you were in a collision then you need to call the police so you can get a report.

The next thing you need to do is call your insurance company. If you are stranded on the side of the road because your car is totaled then your insurance company can also provide you with a replacement rental car until your car is fixed or until the insurance pays to get you a new car.

After the accident is over and you have a chance then you need to write a detailed statement about the accident. While the information is still fresh in your head and you do not forget anything pertinent about what happened be sure to write everything about the accident down. Don’t forget anything because although you think the information is not important it could be to the insurance company.

You should then pay attention to all events pertaining to the insurance claim. If you had a discussion with the police then you should detail the conversation. Every conversation you have then you should write down the date and time and the details of the discussion that took place. If you end up on having to go to court then you will need all documentation. You might want to create a log book so you can easily organize the conversations and who you talked to.

Another thing you should remember is that you need to be honest with everyone. Being honest will get you further than if you lie about anything. If you lie then you probably won’t get anything because no one will know what they can believe from you when you do speak. Be sure to be as honest as possible and don’t worry about getting into trouble for being in the wrong if the accident was your fault. The insurance company will still cover the accident if it was your fault.

When you file an insurance claim, you should be sure to do several things to make sure the insurance company will pay for the accident. You should always file a police report. You should call your insurance company right away. You should be honest and keep track of every event and person you speak to about the accident throughout the process in case you need the information in court. These things will ensure you have a successful claim with your insurance company.