When should you make an insurance claim? Ideally as soon as possible in order to get the process through and get the paper work filed as quickly as you can.
However it is important to know the steps involved in the process in order to fill in an insurance claim correctly.
You also need to know how long you have to make a claim as this can vary depending on both the company and the policy.
Check your policy
The danger of taking a “standard” policy is that different companies have a different idea of what “standard” means. Therefore while some companies may give you six months to make an insurance claim, another might make it three or even less.
This has been especially noted with cruise and other travel company policies whereby you often have a limited time in order to make an insurance claim.
Another reason to carefully check before you make an insurance claim is to see what is covered by the policy. For example, a lot of people agree to pay an excess in order to reduce their premiums.
What this means is that you then pay for the repairs up to the value of the excess. Therefore it is vital to consider how much the repairs will cost and whether it is worth putting in a claim for what may amount to little more than what you would have to pay for anyway.
Check how long you’ve got
If you are thinking of making a compensation claim, you will usually have three years from the date of your accident to do so. However, there are exceptions to this time limit such as when children or people with mental health difficulties are involved.
Accident Advice Helpline will be happy to provide you with further guidance if you are unsure of the time limit which applies to your particular case;.
Details are vital
When making any sort of claim it always helps to have the relevant details to hand. This includes any receipts of items that need to be replaced. You may not realise it but you could also be compensated for things such as public service transport if you need to get to work but cannot drive or cycle if you get injured.
With regard to injuries it also helps to have a journal detailing your treatment and symptoms before filing an insurance claim. This, combined with a note from your doctor, can make it a lot easier for people to see the extent of your injuries and prove that these are genuine. You may also want to consider taking pictures to show external injuries.
Why you should contact Accident Advice Helpline
The temptation is to contact your insurer straight away when making an insurance claim.
However it is worth contacting Accident Advice Helpline first. We can guide you through the process and help to ensure you get the compensation you deserve.
The helpline is available 24 hours a day and there is always someone to talk to. Contact us today to see what we can do for you!
Date Published: October 21, 2013
Author: David Brown