Can I Make a Car Insurance Claim in These 6 Cases?

Raising car insurance claims can be pretty straightforward through car insurance online services provided by most vehicle insurers in NSW. However, if your vehicle has comprehensive insurance coverage and you aren’t too sure about the covered events, quickly check your policy disclosure statements or talk to your car insurer to clarify your doubts.

Perhaps you can check the FAQs or resources section on your vehicle insurance company’s web portal to seek answers to common questions regarding the right conditions for filing claims. While you look for answers, read this article to learn if car owners having comprehensive car insurance can raise claims in the below-mentioned cases.

1.Car dents

A comprehensive policy can cover the costs of fixing a vehicle’s damage, including dents. Even so, weigh the repair costs and the potential savings you will make by raising a claim before deciding.

For instance, if the cost of repairing a ding, scratch, or dent is lower than the standard excess you must pay while claiming, there is little use in seeking the help of your vehicle insurance policy in a case like that.

At the same time, the repairing costs of dents caused by high-impact collisions, hail storms, or other grave road incidents can be hefty, which is when you have more reason to consider claiming with your insurer.

Also, if you wish to raise a claim for car dents that have piled up over time, know that an insurer can charge an excess for each incident that contributed to the damage. Get in touch with your insurer to learn more about this.

2.Rear end collisions

Usually, the vehicle driver who rear-ends in a vehicle collision is considered the at-fault party. According to road rules in NSW, the tailing vehicle must maintain a minimum distance from the car in front of it to ensure road safety. Vehicle insurers will collect dashcam footage and other evidence to determine the liable party.

3.Sideswipe events

Sideswipe means a vehicle giving a sharp blow to the side of another car. Such events can happen when one or more vehicles travel in the same direction on multi-lane highways. This is precisely why car drivers must avoid distractions while changing into another lane or inspect the blind spots before lane shifting.

Vehicle insurers will examine all evidence on the table before confirming each driver’s level of contribution to the unfortunate road event. It is vital to determine each party’s contribution to the situation so the financial compensation is fair and square.

4.Damaged parked car

Yes, you can raise a claim and potentially recover the damage costs from an at-fault party, provided your insurer manages to find the culprit who contributed to your vehicle damage or you have solid evidence to prove that someone damaged your car. Even otherwise, you can make a claim but will be treated at fault by your insurer. This means you must pay applicable excesses while claiming and lose your no-claims discount during policy renewal.

5.Car stolen

Depending on your policy type, your insurer will offer you an agreed/market value payment or vehicle replacement if your car is stolen and not found after a specific number of days.

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6.Damaged car after a theft event

When the repair cost exceeds the amount for which a vehicle is covered, the insurer will deem it an event of total loss and offer the policyholder a new car or market/agreed value payment (depending on the policy type), while subject to the policy’s terms and conditions. Connect with your insurer to know under what circumstances a vehicle retrieved in damaged condition after a theft incident qualifies for payment or vehicle replacement.

In all of the above cases and during other times of confusion relating to claims, you can quickly call your insurer or check for support at the car insurance online portal. Remember, comprehensive car insurance is the only policy to provide your vehicle with broader coverage. So, assess the benefits of various policies, then request and compare quotes before buying a policy that best suits your vehicle’s needs.

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