Issues to remember when making car insurance claims
When making car insurance claims, it is important to remember the effects this will have on your insurance policy in the future. Even if you are not to blame for the accident, there may be unfortunate consequences that happen as a result of your involvement. However, before you make an insurance claim there are important issues to remember as well.
When you are in a car accident, the police and the insurance company will together investigate which driver was to blame for the accident. In many cases, the blame for the accident may not be so clear cut and two or more drivers may be at fault and in these cases, all parties will have to admit fault to resolve the case and move forward.
Once blame for the accident is determined and the claim process has come to a conclusion the insurance company may decide to increase the premium that you pay for their policy. While this is expected in cases where you are at-fault for the accident, many insurers will increase premiums even if you were not to blame. In addition, a partial assignment of fault for the accident is treated as a full admission by the insurance company when deciding to adjust your policy premium. The range of the increase tends to be within 5 and 30 pounds so it depends on you as to whether this is an increase that you are opposed to.
The reason cited by the insurance companies is that they determine that statistically once you have made an insurance claim that you have a greater chance of making another future claim. Different insurers will handle these types of issues differently and there are some insurance companies that will not increase your premium if you are involved in a no-fault accident. Therefore, it is important to do your research when deciding on an insurance policy as you never know when you may be in an instance such as this.
Advice when making car insurance claims
Car insurance claims can have consequences that are complex in nature so contact Accident Advice Helpline to receive advice from an experienced solicitor.
Accident Advice Helpline specialise in personal injury law so if you have received an injury in a car accident it can be helpful to make a claim with Accident Advice Helpline by calling free on 0800 689 0500 or 0333 500 0993 from a mobile phone.
Date Published: 14th June 2014
Author: David Brown