Despite the fact that you’ve been paying insurance premiums for your vehicle for years, your insurance company will try to find a reason to reject your car insurance claims. The fewer claims they pay out, the bigger their bottom line, which is why when their number of processed claims increases year on year, they increase premiums year on year.

To make sure that your car insurance claims are not rejected (especially not legally rejected), make sure to do the following.

Motor insurance claims for accidents

After being involved in an accident you will need to get the details of the other driver (namely, make and model of the vehicle, registration number and driver’s license or ID number as well as contact details) You will also need to report the incident to the police. In order to determine the veracity of this event, your insurance company will require a few documents from you. These include the following:

• A copy of your driver’s license
• Police case number
• Details of the other driver
• A description or sketch of the incident
• A quotation for repairs from an approved panel beater

A copy of your driver’s license is required because driving without a valid driver’s license is illegal. If the accident occurred after you license expired, they can legally reject the claim. When making a car insurance claim for accident, your insurance company will require a quote to repair the damage from one of their approved suppliers. This will enable them to determine whether or not to right the car off and pay out the value or repair it.

Motor insurance claims for theft

After having a vehicle stolen, you will have to report the incident to the police. Your insurance company will require the policy case number as well as the following information from you: 

• Description of where the vehicle was stolen
• Details of the tracking company if your vehicle is fitted with a device.

The area where the vehicle was stolen enables the car insurance company to determine what you were doing before the vehicle was stolen. If the vehicle was used for business prior to the theft, but was insured for personal use, they may reject the claim.

While claiming on your car insurance is a necessary evil, it will increase your insurance premiums as you will be considered a higher risk client. To compare your premiums to other products on the market, fill in our online form and an insurance representative will contact you shortly for quotes.