How to make sure that your insurance claim won’t be rejected

travel insurance claims

The largest number of travel insurance claims are refunded quickly and without any problems. However, sometimes it happens that the request for payment is not accepted.

In order to avoid situations where you can not compensate the medical expenses, loss of property or the trip cancellation, while you are ensured, look at the list of the most common reasons for rejection. This is also a way to prepare and avoid the inconvenience for reimbursement of your policy.

  • Take maximum care of yours belongings

The insurance company will not cover the costs for the lost money or documents if you did’t do your best to protect them. If you leave your purse in an easily accessible place, and then lose your money and documents, the request will certainly be refused.

  • If you don’t have any proof of purchase or a police report on the theft of property

You must prove that you lost something or that it was stolen. If this happened, you should go to the police station within 24 hours, where you will receive a police report for the theft. Proof of ownership may be the original receipt or something else that clearly shows that the lost thing belongs to you. Also, if you lost luggage, ask airline company for written confirmation for this.

  • You consumed too much alcohol

If it turns out that you lost something while you were drunk or under the influence of opiates it is more than likely that the policy will not be accepted.

  • The country in which you are traveling is not safe enough

If the official recommendations are to avoid some regions and countries for safety reasons, then you will not be able to charge the cost if you had an unforeseen circumstance.

  • Be preventive and protect yourself against local diseases

It is recommended to be vaccinated and to take the necessary preventive medication if you are traveling to the country where is known that you can get a certain disease. For example, if it is regulated that before going to an African country you should take medicine against malaria and you do not, you have to pay medical expenses if you get malaria.

  • Specify the concept for close and distant relatives

One of the common reasons why people cancel the planned trip or return earlier is the sudden serious illness or death of a close relative. However, it would be good to determine who is considered as a close relative by your insurance company. This will avoid possible inconvenience witch will prevent you to get your money back if you cancel your trip. The recommendation is to check whether the chronic illness of a close family member is covered by the insurance policy, because that may affect your travel plans.

  • Define “valuables”

What the term valuables really means, this varies from one insurance company to another. Also, be sure to carry them with you while you are in some means of transport. Do not be surprised if you somewhere later read in fine print that valuables are not covered by the insurance policy if they were out of your control during the journey.

  • Always inform your insurance company about the state of emergency

Often, people only after returning home inform the insurance company about the problem that happened on the travel. It is necessary to do it immediately when unforeseen circumstances occur. In the policy there is always a telephone number of the Support Center and that’s the first thing you need to do if you suddenly fall ill, lose things, or you have to return earlier. This way you can avoid the situation where your request for refund of policy is refused.

The advice among advises would be to always, several times carefully read what policy covers and what not. This especially refers to the famous “fine print” that usually hide the information in question.

3 Tips to Help You Buy Car Insurance Online

Many people buy car insurance online because it’s easier than calling or visiting an insurance provider in person. This method can save you time and money as you compare quotes from multiple companies. You can shop online when you want, whether it’s while waiting in line or sitting at home. To make the most of the process and get a great deal, you should follow these tips.

  1. Be Prepared

Know what coverage you need and want before you start shopping for car insurance online. You’ll need to carry the minimum liability coverage in your state, but you may want more coverage than what is required. Think about your options before you start searching.

Also consider comprehensive and collision insurance. If you are financing a vehicle, you will need to carry this policy as well. You’ll also discover riders and add-ons, which you may find beneficial, but they will add to your price. Know what you need, but avoid paying for something you don’t want.

You’ll also need to have information about your vehicle on hand when you submit information for a quote. The more data you have to include, the more accurate the quote will be. You’ll be asked for your driver’s license number and vehicle identification number. Have your registration handy, and be prepared to give permission for the providers to check your credit.

  1. Compare Products and Providers

Once you have input your information, compare the options you are given. Make sure the policies are identical or you can tell the difference to determine who has the best rate. Don’t forget you may be able to claim discounts, which would lower your price. Factor that in before you select a provider.

Once you have the base quotes, you can visit the providers’ websites to find out more about what they offer. You may discover one company provides a discount for alumni of the college you attended. Another may offer discounts if you work at a specific company or are a military personnel. Knowing these details can help you save even more money.

  1. Select Your Coverage

Once you find a company that offers great rates and fantastic service, you need to sign up. Choose the coverage you need, and they will create a policy for you. Make sure you know the details of the coverage you’re getting, such as any limitations or restrictions. Also find out who to contact if you should ever need to file a claim or have any questions about your policy.

While shopping for car insurance online can help you save time and money, it’s also helpful to work with an agent once you receive an initial quote. When you have a live person to talk to, you can get your questions answered and feel more secure about your coverage. An independent agent who offers multiple policies makes it easy to save money while working with someone who will help you along the way.

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.