Filing an insurance claim after an accident can help lessen your financial worries and relieve the stress you’re going through. As a driver, the biggest risk you face is being in an accident, which can happen anytime, even if you’re being very careful while driving. This means you need to follow certain steps or processes to make an insurance claim after an accident.
That’s why having vehicle insurance is very important and required for all vehicle owners at all times. It can come to your rescue when unexpected situations like these arise. In this article, we’ll share with you situations where it’s strongly recommended to file an insurance claim.
The accident was your fault
If the accident was your fault and you have comprehensive insurance, you can claim for the damage to your own car. Here’s the catch: if you don’t have comprehensive coverage, tough luck!
You won’t be able to claim from any insurance, which means you’ll have to bear the cost of repair bill all on your own. Also keep in mind that you lose your No Claim Discount (NCD) and additional charges might apply.
The accident was not your fault
If you’re not to blame for the accident, you’ve got the power to claim insurance and get compensation for your losses. You can make a knock-for-knock claim or a third-party claim. Making a claim for an accident that wasn’t your fault won’t affect your hard-earned No Claim Discount (NCD).
But if you’re scratching your head, trying to figure out whose fault was the accident was, fear not. You can still take charge and make claim by reporting the whole incident to your insurance company. Most comprehensive insurance plans have your back when it comes to legal defences.
So if you end up in court, your insurance plan can help you to cover those legal bills. But, if you don’t file a claim or report to your insurance company, you could lose these benefits.
If someone is injured
When someone gets hurt in an accident, you can’t foresee the extent of their injuries or the hefty medical bills that could pile up. That’s why it’s crucial to act swiftly and file a claim or report the incident when there’s an injury involved.
Ignoring this step might leave you footing the entire bill for medical expenses and repairs out of your own pocket.
Here’s a neat tip: Most comprehensive insurance plans offer benefits for legal battles concerning third-party liability (unless there are specific exclusions). So, it’s wise to report the incident to your insurance company instead of solely relying on a police report.
That’s why it’s crucial to remember, when the unexpected strikes, never admit fault or act mindlessly on the spot. Keep calm and let your insurance company assist you on your next move!
Visit Bjak now to enjoy exclusive discounts, attractive prices and benefits for your car insurance without any hassle!
Bjak is one of Malaysia’s biggest insurance comparison websites, offering policies from over 10 brands. Get your free insurance quote from Bjak today!
Read more:
