Wednesday, April 5, 2017

Things You Need to Know Before Filing Affirmative Insurance Claims



If you have a policy signed at Affirmative Insurance and your car has suffered damage, it is time you filed Affirmative Insurance claims. By making a claim, you actually request the money needed to cover the rehabilitation of your insured vehicle. Even though the process is simple and fast, you do need to follow some steps.



First of all, you have to read your contract line by line and know exactly what situations it refers to. Affirmative Insurance offers policies that insure over a wide range of risks and chances are your request will be approved; however, you have to be sure that you respect your part of the contract, just as the company always respects its part.

Furthermore, you have to be aware of the fact that you cannot go around filing Affirmative Insurance claims for things as simple as a flat tire. Such inconveniences do not occur as the result of a risk situation and are not even covered by your contract. You can easily change a tire by yourself, without having to pay any money or, in case you do not know how to do it, there are numerous automobile services which can help you in exchange of a very low price.



If the situation you are facing is related to the malfunctioning of one of your car pieces that has not resulted from a crash or any other kind of mechanical shock, then it is your car’s manufacturer you need to contact first. For example, if you own a Ford with friction pads that do not work, go to the closest Ford dealership, where the piece will be changed for an original, new one. 

In some cases, however, the representative of the agency may proclaim that the malfunctioning has indeed been caused by a shock and has nothing to do with the quality of the piece. In this case, request an official document to be issued by the agency in order to confirm this fact. Right after that you can go and file Affirmative Insurance claims which will undoubtedly be approved.

This is not the only situation in which you have to present an official document. In fact, you always have to provide some kind of official proof of the actual damage and of the circumstances in which the damage occurred. If you have been involved in a car crash, the police must officially consign the context of the accident. This step is absolutely necessary if you want to obtain the money needed. 

A prestigious company like Affirmative Insurance makes sure that everything is done in the most professional and legal way, and that is why you have to provide evidence when making a request. Moreover, think that even though you may find it absurd to ask for such a document, this is actually extremely important, because there are cases when fake Affirmative Insurance claims are being issued, in a fraud attempt.

Last but not least, remember to drive carefully and always park your vehicle in safe spots, so that you can avoid as much as possible having your car damaged and having to file Affirmative Insurance claims.



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