Car Insurance: Five Mistakes to Avoid When Filing a Claim

Filing a car insurance claim can be daunting if you don't know the pitfalls. Avoiding common mistakes ensures a smoother process and a better chance of getting your claim approved. Here’s what you need to know.

Don’t Move Your Vehicle Prematurely

Moving your car before documenting the accident is like tampering with evidence at a crime scene. Insurance companies might dispute your claim if you do this.

You could end up paying for all the damages, which affects your No-Claims Discount (NCD) and increases your future premiums.

Always document the scene thoroughly before moving your vehicle. This helps protect your claim and NCD.

Gather Solid Evidence to Determine Fault

In an accident, parties often point fingers, making it crucial to gather solid evidence. An in-car camera can capture the incident clearly.

Avoid agreeing to private settlements. Collect as much evidence as possible, including eyewitness accounts and their contact information.

This ensures your claim remains credible and uncontested. The more evidence you have, the stronger your claim will be.

Report the Accident Promptly

Time is crucial when filing a car insurance claim. In Singapore, you must report the accident to a reporting centre within 24 hours or by the next working day.

Failing to report on time might result in your claim being rejected. Also, make a police report if there’s significant damage or injuries.

Delays can complicate your claim process, so act quickly. Prompt reporting is essential for a smooth claims process.

Use Authorized Services Only

Using unauthorized tow trucks or workshops can complicate your claim. Always check your policy to ensure you use approved services.

Many insurers offer 24/7 hotlines and approved tow services. Sticking to authorized services simplifies your claim process and increases your chances of approval.

Avoid unauthorized services to keep your claim straightforward and hassle-free.

Avoid Delays and Submit All Documents

Stay proactive in the claims process to avoid delays. Once your claim is filed, follow up to ensure all necessary documents are submitted.

The claims process includes several steps: filing the report, investigation, policy review, damage assessment, and payment.

If the process takes too long, check on it. Insurers like Direct Asia and NTUC Income offer personalized services to help streamline procedures.

Conclusion

Understanding and avoiding these common mistakes can make a significant difference between a smooth and a problematic car insurance claim.

Document the accident thoroughly, gather ample evidence, report promptly, use authorized services, and follow up on your claim.

With these steps, you're well-equipped to handle any car insurance claim efficiently. Touch wood and hope you never need to file one!

Writer's note: Images are purely fictional; for illustration only.