In the insurance world, nearly all matters center on a claim that is made by an individual. The insurance company will take these claims and determine fault. Then they award money or compensation based on needs. How do you know if you have a claim? Here are some ideas to help you assess the situation.
Basic claims are almost always the result of an accident. Remember that accidents happen. Usually these accidents are a result of the negligence of another person. In our society, being negligent won’t put you in jail. However, it could cause you to owe money for the damages you have caused. This is only normal. They say we “reap what we sow”. And this is the case in insurance. So if you have been involved in an accident, you have a claim.
Fault – Does it Matter?
Many people question whether fault should indicate the need for a claim. For example, they wondering if they should file a claim for something they did or wait for the wronged party. The truth is, it does not matter who was at fault to file a claim. In fact, fault is something that is determined after the claims advisory group assesses the claim. Furthermore, your insurance will most likely tell you to report all accidents regardless of fault. This way they have record of anything and everything that has happened when you are driving.
Although most claims involve two people, some claims are actually the result of other issues. For example, what happens if your window cracks or your car is dented because you hit a light post? In these situations, comprehensive insurance will be your best friend. It will allow you to file a claim for these types of incidents that do not involve another driver. And you will not be on the line for the bill. So take out a claim if something happened to your car on the road. Don’t drive a car that isn’t perfect when you have insurance to pay for the damages.
Finally, remember to report the claim as soon as possible.