Viewed : 14,787 times
Car Insurance claims for car accidents can be tricky if you say or do the wrong things. Here's what you should do to get a faster pay-out!
Category: Car Ownership Advice
We created this detailed guide for drivers struggling to make speedy and successful insurance claims. Here are some of the most common causes of delayed claims pay-out:
- Failing to submit a proper claim within 24 hours
- Failing to seek advice from your insurer
- Admitting to fault or liability
- Not getting the full picture
- Submitting bad quality pictures
- Not having a dash camera
- Unnecessarily moving the vehicle
- Visiting an unauthorised workshop
Failing to submit a proper claim in 24 hours
Submit your NRIC, a copy of your driving licence and well-documented evidence within 24 hours of the accident. Sounds easy? Not quite.
Missing out key evidence, which proves that you're not at fault, could cost you your No Claims Discount (NCD) and jeopardise your cheap car insurance plan.
Here's all you need to know about NCD for car insurance.
Failing to seek advice from your insurer
Don't be a smart Alec, call your insurer to check what needs to be done. They'll also redirect you to their hotlines if any.
Aviva, AXA and NTUC Income car insurance have emergency hotlines that are especially handy when the accident occurs at ungodly hours. Not every insurer offers such easily available assistance - this is one of the common car insurance myths.
If you've decided not to opt for car insurance renewal because you want immediate assistance, consider checking out some of the best car insurance policies for 2020.
Admitting to fault or liability
Don't negotiate, admit to any liability or make offers of settlement to the third party. They may use this against you to shirk responsibility from the accident.
Taking matters into your own hands affects the claims process and puts your cheap car insurance plan at risk. Leave it to your insurer to decide who's at fault.