Don’t you just hate it when your insurance company doesn’t do the thing that you’re paying them all that money for? When you find yourself in a bad situation, such as a crash, you expect your insurance company to help you out. That doesn’t always happen, though, and it’s usually for one reason: clauses. There are a number of clauses in any insurance contract, and if you aren’t abiding by them, you’re not getting paid. So, here are a list of things to watch out for, and some ways to get around them.
You’re Not Reading The Finer Details
When you sign up for a car insurance policy, you’re asked a bunch of questions. Those questions are important, and you need to answer them truthfully. Once they’re concluded, it’s easy to think that you’ve done all you need to do. Wrong. It’s important to then study the finer details and make sure there aren’t any clauses you’re unaware of. You’re the one signing the document, so you’re consenting to anything they demand.
You’re Not Disclosing Important Information
Let’s go back to those questions for a second. You’ll inevitably be asked questions relating to things like any criminal convictions you might have. I know what will instantly come into your mind, too. You won’t want to ruin your chances of saving money because of your previous convictions. Unfortunately, if they later find out about them, they’re not going to pay out when you need it the most. You should have been honest!
You’re Underestimating Your Mileage Allowance
This catches many people out. It isn’t always easy to know how many miles you plan to do in a calendar year. You might change jobs or relocate, for example. Resist the temptation to put that mileage as low as you can. Instead, it’s always better to overestimate. It’ll cost you more money in the long run, but it will ensure that you can get that payout you need.
You Shouldn’t Have Been Using The Vehicle
You know that thing on your application form that talks about how you’ll be using your vehicle? Well, if you’re driving to work, and you’ve classed the vehicle as ‘social use’ only, you won’t get paid. If there are changes in your work needs, be sure to contact your insurance company ahead of time. Often, you don’t need to spend much money to add this onto your policy.
How Can I Get Around It?
Alright, so you’ve read our tips, and you’ll be able to follow them next time. What can you do if you already find yourself in this mess? Firstly, you need to examine the situation at hand. Was it an accident, and was the other person responsible? Then contact a professional personal injury attorney about your car accident and get compensation that way. If it’s something less major, or it’s your fault, you’re going to find it a lot tricker. However, remember that you can always dispute a rejected insurance claim if you feel you’ve got a case. You never know; it might prove successful.