5 Questions to Ask Before Filling a Car Insurance

Making an insurance claim is a simple and stress-free process if everything goes well. As a policyholder, you always tend to file your claim in a hassle free manner. With the advent of many car insurance companies, it is most important to know your plan thoroughly.

If you’re lucky, you won’t need to claim car insurance. But that doesn’t take the guarantee for any mishap. So it is better to figure out if you have a good insurance or not. And until you use it, you can’t measure it.

It is a must for you to read the terms and conditions while buying an insurance plan. But whether you read it or not, you should know what your car insurance covers. And this way you can find out whether the plan is good for you or not. It is probably not the best time to decide if you have a good insurance plan or not when you’re in the middle of a stressful situation. The market is full of insurance companies and many plans have arrived to excite you the most. There is no exception with auto insurance. As the competition rise, the car insurance companies have come up with stirring plans, leaving the only option for you to compare and decide. Among them, you can consider Future Generali Car Insurance plan and relate your requirement with their quotes. Hereby, in this article, we offer up few advice and questions that you should ask before filing a car insurance claim. Here we go:

1. Does My Car Insurance Cover Rental Reimbursement While My Car is Being Fixed?You may not need to buy the coverage separately if your motor insurance company includes a minimum amount of rental reimbursement. Obviously, if the amount is not up to your mark, then you should buy one.
2. Does My Policy Cover Someone Else Driving the Car at the Time of Accident, Irrespective of Listed as a Driver or Not in the Policy?Some insurance companies straightway reject insurance claims based on that the driver was not listed on the policy at the time of buying. The treatment varies company to company and you should know it well how your company treats it.
3. Do I Have to Repair My Car After an Insurance Claim?It is mandatory to get the car repaired if you have a loan on your vehicle and or want to continue with full coverage on your vehicle. In case you don’t want to go with full coverage and own the vehicle outnright then it is completely your call whether to make the repairs or not.
4. What are all included in a Comprehensive Car Plan?A comprehensive plan covers everything from deer, theft, fire, vandalism except collision. 
5. Will My No Claim Bonus Get Transferred if I Change My Insurance Company?Yes, No Claim Bonus can be transferred. You’ll have to produce a proof stating that the NCB earned by you from the current insurer. You can produce a letter confirming the NCB entitlement from the previous insurer as a proof.

Car insurance claims and related questions go hand in hand. Relating these FAQ’s, with your requirement while buying a plan is necessary. It is true that no policy can cover the possible situations, but most good policies almost cover most of them. Sometimes, people decide not to have certain coverage, as they are too expensive or not necessary or their car is not worth having them. Hereby, you should know your requirement. You can take help from the agent. They’ll guide you better to choose the proper plan that suits your need. However, it is always advisable to compare various plan and shortlist the final one!