Problems with short
term car insurance claims
(get a quote from
Short term car insurance is a great way to
protect yourself and your car for short periods like when you are
sharing driving with friends or borrowing your brother’s van to move
into a new apartment.
However, sometimes problems can arise in the claims process. Not all
companies are as responsive or even ethical when it comes to
honouring insurance claims. Some may even purposely try to avoid
meeting their legal obligations.
If you have problems in getting your short term car insurance claim
approved, the first thing is to make sure all your paperwork is in
order. Closely go over the terms and conditions of your insurance
Make sure you know exactly what is covered and about all the
applicable limitations, exclusions and other conditions. You do not
want to argue needlessly with your insurance company when you are
actually in the wrong. For example, you may want to have your
damaged vehicle repaired at your local garage, but the insurance
contract states that the insurer has the right to choose who repairs
If you have examined your policy closely and are sure that you are
in the right, then be prepared to make your arguments forcefully and
with sufficient documentation.
If, for example, you have a dispute over the value of your vehicle,
then you should find the latest research that supports your claims.
If you are making claims for personal injury, get written
evaluations from your doctor along with documentation on wages lost
due to the injuries.
See what the adjuster is willing to offer first, and then if this is
not acceptable make a counter offer. If you are not able to
negotiate an acceptable deal, then you will need to take this a step
further. Ask to speak to the adjuster’s supervisor and if you still
do not get an adequate response take the matter up the “chain of
Once you have exhausted all recourse within the company itself and
are still not satisfied, you have the further option of seeking
legal representation or taking the matter to a government agency in
some cases. Often, simply threatening to take your case to a lawyer
or to the government will be enough, so try sending an appropriate
letter to the company about your intentions.
How to avoid claims problems
You can take some precautions to avoid problems with short term car
insurance claims. If you are involved in an accident, make sure to
write a detailed account of the events as soon as possible. Don’t
wait because your memory of events can change dramatically over
Take down the name and address of the other driver, and the
registration number and insurance policy details.
Get statements and contact information from witnesses, if available.
Do not admit to any liability at the scene of the accident. If you
are injured, see a doctor immediately after the accident. In
addition, immediately contact your personal injury solicitor and