We don’t plan to be involved in an accident, but you’ll be glad you have auto insurance when it happens. However, not all accidents are treated the same way. What if you were doing something illegal or reckless when the accident occurred? Would your claim still be valid? Probably not. This blog post by Daniel Fabulic Insurance Agency serving Louisville. KY explores some of the activities that can render your auto insurance claim void. Read on to learn more!
1) No Proof of Accident
If you can’t prove that an accident occurred, your insurance company will decline to claim the damages. This means you’ll need to have things like photos of the damage, eyewitness statements, and police reports.
NOTE: If you’re in an accident, always contact the police regardless of how minor the incident seems. They can help create a report which will be invaluable when filing a claim.
2) Filing False Information
When you apply for auto insurance, you’re required to provide accurate information about yourself and your vehicle. The false information can render your auto insurance claim void, and you could face legal penalties.
Some common examples of false information include:
- Misrepresenting the number of drivers on a policy
- Claiming a higher value for your car than it’s worth
- Tampering with or falsifying records related to an accident or claim
If caught, you could end up paying hefty fines and even go to jail. It’s not worth it – always be truthful when applying for auto insurance!
3) Waited too Long to File a Claim
Most auto insurance policies have a time duration for filing a claim after an accident. If you wait too long, the policy may not cover the accident.
Check with your insurance provider to find out the specific time limit for filing a claim, and make sure to adhere to it! Failure to file a claim within the stipulated timeframe, you may not receive the compensation you’re rightfully owed.
4) Your Policy is Inactive
If you don’t pay your auto insurance premium, your policy will become inactive. This means that if you get into an accident, you won’t be covered by your policy and could end up having to pay out of pocket for any damages.
Make sure to always keep up with your premiums, so you don’t risk being uninsured!
5) Accident Caused by Your Negligence
Your insurance policy may not be able to help when you’re involved in an accident because of your negligence. Your policy will be voided if you’re found at fault for an accident, for instance, driving under the influence, so always drive responsibly!
Drivers in Louisville, KY, must be aware of the activities that could void their car insurance claim. At Daniel Fabulic Insurance Agency, we want our customers to be informed and have the best chance at a successful auto insurance claim. If you’re unsure about what constitutes a void car insurance claim or are looking for more information on specific activities, please contact us today. We would be happy to provide you with a free quote and answer any questions about our services.