The one thing that everyone has to bear at one point is to file a car insurance claim. Now, many people take this big step without consulting their agent and this is the first huge mistake they make. If you make an unnecessary car insurance claim, then it will reflect in a bad way.
Driving records and histories!! These are important and once a claim has been filed (however minute it is) will go in the central record system. This record is accessible by every single car insurance company throughout the world. And the companies looking over your car insurance claims won’t look into detail whether there was police at the scene or not. In many cases, it might not even be mentioned in your files.
Even if you have a car insurance policy in place at the time of the accident, your premium rates would go up. There are many companies which will provide accident forgiveness. Now, some companies will give you this depending on the time for which you have being with them. Other companies sell this accident forgiveness as a part of a package or a deal. Thus, it becomes paramount to car insurance online plans in India where you get this package.
So, when you are in the tough situation of whether to file a claim or not, consider the premium rates and how much extra you might have to pay in the future. Also, some companies only have the accident forgiveness for the first accident, so don’t waste this chance on a small file claim.
There are scenarios where filing claim may become a headache when you are the victim. It has become common for some parties to deny filing a claim on behalf of their customer who had caused damage to your car. They may come up with some technical jargon and put you at a weak spot and you will eventually feel the need to let go. If you cannot do without the claim, then it is better to let your company handle these problems. But before you go and compare Car Insurance Online Policies india
So, there might several scenarios where you will feel the urge to file a claim but it is better to pause and think before making that claim. If it is not worth it, it can show up badly on your driving record and will put you in a great lot of trouble later
