5 Tips for Avoiding Having Your Car Insurance Claim Denied

Andrew Koole
· 3 min read
No one likes getting in car accidents. From the awkward conversations with strangers to the potential for serious injury, they can turn your day–and your life–on its head in a moment. But whether we like them or not, we all know they happen, and it’s important to know everything you can do to ensure that your car insurance claim won’t be denied.
provided some tips that will ensure that all your bases are covered in the event of an accident.

Drive safely

This one seems a bit obvious, but it’s the best way to ensure you are covered by your car insurance. Following traffic laws and driving defensively will not only help you avoid accidents in the first place but will also give you a leg up if an accident does occur. Avoiding fault will make claiming insurance much easier.
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Notify your insurance company quickly

In the aftermath of a car accident, you might feel pretty shook up. It can be hard to think of all the details you need to keep track of in the moment. But as soon as you can, it’s important to contact your insurance provider to give them a full statement of what happened.
If they don’t hear about it soon enough, they could deny your claim because they didn’t have the chance to investigate while the evidence was still valid. The sooner you tell them your side of the story, the more accurate the picture of the incident will be and the sooner your insurance can get to work for you.

Get a medical evaluation

Injuries from car accidents can sometimes be a tricky thing. You might be in shock from the incident and not be able to identify whiplash and other muscle pain right away. It’s important to see a doctor as soon as you can and to tell them what happened.
Besides being treated for your injuries, a medical evaluation will also prove that your injuries were a result of the car accident, giving your insurance company more evidence to back up your claim.

Keep your car to yourself

MORE: A Shady Car Insurance Fraud Ring Might Have Just Been Busted
It can be hard to say no to friends and family, but lending your car to someone who’s not listed as a driver in your insurance policy could cause a lot of unintended consequences.
Any accident they cause could affect your premium rates, especially if they don’t have their own car insurance. Make sure you list everyone from your household who will use your car in your policy to avoid disputes and denials from your insurance provider.

Make sure you have the right car insurance coverage

It might be tempting to cut corners to save money, but when choosing an insurance policy, you should plan for the worst. No matter how safe of a driver you are, you can’t control other people or what insurance they choose for themselves.
Make sure that your plan covers you for incidents with
uninsured motorists
or damages caused by
storms or vandalism
. You want a policy that gives you peace of mind and prepares you for the unexpected.
Choosing the right coverage can be complicated. There are a lot of factors to consider. But with
on your side, your decision just got much easier. Jerry compares insurance plans from providers big and small to make sure you get the biggest bang for your buck.

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