Insurance Claims

Liability and negligence are two important concepts when it comes to car accidents and insurance claims. Liability means that you have a legal responsibility to do a certain thing. One example of this is if you provide compensation for any damage in an accident if you were the one at fault.

Negligence is different in that it is a purposeful lack of care or responsibility in a certain situation. One example of negligence is if you run a red light. Legal liability and negligence are important for insurance claims because liability determines if you are at fault and negligence determines who pays for the resulting costs of the accident. Negligence also determines who pays how much of these costs, if multiple people are at fault.

Your car insurance company does have the right to cancel your insurance policy whenever they wish. However, it is unlikely they will do so just because you file only one insurance claim. If you file multiple claims and appear to be a high-risk policyholder, then your insurance company is more likely to cancel your policy.

Dangerous driving behavior like getting a DUI also makes your insurance company more likely to cancel your policy. As long as you don’t file multiple claims and don’t demonstrate some type of dangerous driving behavior, you will probably be all right. Your insurance company will let you know if they intend to cancel your policy.

Quite a few car insurance providers give you several methods you can use to file an insurance claim. You can likely file your insurance claim online, over the phone, or even in person if you wish. Some insurance companies have mobile apps that you can use to file insurance claims. You should check with your insurance company to find out how you can file an insurance claim.