After signing up for the perfect car insurance policy, you sure are more relaxed behind the wheels.
You and your vehicle are both protected from just in case something happens. After all, that’s the primary purpose of having insurance: To be prepared for unforeseen events.
But things happen when they are least expected. And unfortunately, even if you aced your driving lessons back then, accidents happen. The good thing is, if you’re insured, you have less to worry. Yet, that doesn’t mean you can be as laid back as you think.
While your insurer will certainly do their best in helping you out, you have to do your part as well. No damages will be repaired if no claim has been filed. So you have to make sure that you properly file your car insurance claims on time.
Here are the reasons why:
Quick claim settlement
The insurance provider begins the processing of a claim the moment they are informed about it. Of course, if you wait until you have the free time before letting them know about it, it delays the process.
On-time vehicle survey
In terms of repairs, a network garage will only start the work once they have received the insurance company’s go signal. And this doesn’t happen until the surveyor is done with the report that estimates the cost of repairs. This means, the sooner you initiate the claim process, the earlier a surveyor will be assigned to check your vehicle.
Prevents consequential damages and further loss
If you call your insurer immediately after an accident, they can direct you to the nearest garage within their network. They can also arrange for towing, if necessary. A vehicle that’s badly damaged may result in having consequential damages if not handled properly. And this will not be covered by the policy.