Did You Know? Incomplete Accident Details Can Lead to Partial Claim Approval
Your car insurance claim is not usually cancelled, but if the accident details are not explained properly, the insurance company may approve only part of the claim. Insurance companies approve repairs only for the damage mentioned in your accident description. If some damage is not explained clearly, they will assume it happened separately and may not pay for that part.
Why "The Whole Story" is Your Best Policy
When you pay for your online car insurance, you expect full coverage. However, the insurance company needs undeniable proof that all the damage occurred in the same incident you reported. If your description is vague or misses a step, they are legally allowed to deny payment for the damages you failed to mention. The rules are clear: the claim must match the description.
The Double-Hit Trap: A Real-Life Example
Let's look at a very common scenario where a simple omission can cost you thousands in repairs:
- The First Event: You are driving. An auto rickshaw or another vehicle bumps your car from the right side, causing initial damage.
- Your Reaction: You quickly apply the brakes to stop or minimize the impact.
- The Second Event: Because you stopped suddenly, a vehicle following you, a bike, a truck, or another car is unable to stop in time and hits you from the back side.
The Common Mistake: In the stress of the moment, you only report to the surveyor or workshop: "An auto hit my car on the right side."
The Expensive Consequence: The total repair bill includes damage to the right side and the back bumper/boot. The insurance company's assessor reviews your claim description and notes that it only mentions the "right side hit." They will likely approve the claim for the right side, but they will reject the claim for the damage on the back side because it was not included in your original, incomplete story. You end up paying for the rear damage out of your own pocket.
Simple Rules to Ensure Your Claim is Fully Approved
The policyholder holds the responsibility for correctly informing the insurer. To make sure you get paid for every dent and scrape caused by the event, you must provide a clear, detailed, and undeniable account.
Date and Time: Include the precise time (e.g., 3:45 PM) and date (e.g., 8/12/2025) of the incident. This verifies the accident occurred within the policy's valid period and confirms all damages related to a single, specific event.
Location: Provide the exact street name, nearest landmark, and city where the accident happened. This allows the insurance company to verify the context of the accident, which is crucial for their records.
The Full Sequence (Most Critical): Give a step-by-step description, such as: "First, the auto hit my right door. Then, I braked hard. Then, the car behind me hit my rear bumper". This is the most critical element because it links every point of damage to the same chain of events, ensuring the insurer covers all resulting repairs
Your Trusted Partner for Car Insurance and Claims Guidance
Choosing the right partner is just as important as the plan itself. Whether you are looking to renew a car insurance policy online or find the best place to buy car insurance online in your city, look for a company that guides you, not just sells to you. At BimaStreet, we believe in guiding you through the claim process. We don't just help you buy a car insurance policy, we help you use it. When an incident occurs, we provide the full support needed to correctly document the "how" and "why" of the accident, helping you articulate the critical claim description to ensure you get the maximum payout possible. Don't let a simple omission jeopardize your settlement. Trust BimaStreet to be your dependable partner on the road and during the claim. Visit BimaStreet.com today to get the best car insurance policy and the trusted guidance that protects your investment!
FAQs – Common Questions
A: The rule is clear: the claim must match the description.
A: It verifies the accident occurred within the policy's valid period and confirms all damages related to a single, specific event.
A: The claim for the damage on the back side (rear bumper/boot) will likely be rejected.
