Filing Car Insurance Claim

If you own a car then apart from the regular maintenance costs, there is also the chance that your car gets damaged in an accident. The best way to deal with such unfortunate events is to get affordable car insurance. While most people understand the importance of buying car insurance, often trouble arises when it is time to make a car insurance claim. However, you need not worry as most insurers try to make this process as easy and simple as possible for their customers just like the car insurance claim by future generali. Let us look at the procedure of making a claim against your car insurance.

Apart from providing help to the injured and arranging medical aid for them, you should immediately call the police at the scene of the accident. You should also take steps to protect your car from further damage. The insurance company will most probably send someone to inspect the car and appraise the damage before the repair work can be done.

A claim is a legal statement meant to obtain money or the enforcement of a right against another party. The document which carries the claim is known as the statement of claim. Although filing a claim is quite simple, it is necessary to do it right. 

There are some circumstances when it is advisable to not make a claim. Let us look at them:

If you pay a higher excess, you need to pay a lower premium. A Voluntary excess is the amount of expense which the insured has to bear when an accident occurs and the rest is insured under the policy. Sometimes, the cost of damage in an accident is lower than the excess and in such a case it is not advisable to make a claim as it can affect your no claim bonus without giving you any benefit. However if the damage is large and the cost is huge then a car insurance claim should definitely be made.

Most insurance companies offer no claim bonus, but this bonus varies from one company to another. If you don’t have any accident throughout the year, then it is great, but in case you do, then you need to make a judicious decision regarding filing a claim. You should compare the amount that you stand to receive as a no claim bonus with the cost of repairs. If the NCB is substantially higher than the cost of repairs then you should not make a claim.

Before you decide to get the damage repaired privately it will be a good idea to confirm the cost involved and that it is covered by the insurance company. Once you are aware of these factors then you can decide whether you want to make a claim. At the same time, most insurance companies offer cashless repair facilities at their nominated workshops. It is always a good idea to get your vehicle repaired at one of these workshops to avoid hassles with clearance of the claim.