Most people have had their share of problem experiences with insurance policies – mainly lack of cover. You are likely to have hard tales of genuine car accidents that were attributed to driver error and anecdotes of significant accident damages that resulted in a mere pittance in insurance protection. Another classic is drivers assuming their caravan is covered when actually a separate caravan insurance policy is needed. If this applies to you Caravan Club is a good site to research. Sadly, many people do not fully understand their policies until they file a claim and run into problems. But, you know what they say about auto insurance: Can’t live with it; and can’t drive without it! You need to know about common insurance problems and what you can do to get remedy.

Denied claims
One of the common problems encountered with auto insurance policies is denied claims. If you ever feel your insurer has wrongfully denied you a claim, remember you have certain rights covered under your policy and the law that obligate your insurer to promptly, fairly and in good faith settle your claim. Write to your insurers and inform them where they made a mistake in denying your claim.

Make sure you provide all the necessary documents and relevant information to support your claim. You can contact an insurance lawyer and discuss your denied claims case. A letter from an insurance lawyer will often convince your insurance company to review your case. Moreover, you can sue the insurance company for breach of contract, bad faith or another insurance code violation as a last resort.

Sly renewal time expenses
Some insurance companies raise insurance rates at renewal time to make some extra money from unsuspecting policyholders. Insurance cover options that you requested removed and that were actually removed from your coverage often reappear at renewal time.

Call your insurance company and request that the sly additional coverage be removed immediately. Inform them that your money is just as good at another competing insurance company that offers better rates and mean it, if you encounter resistance to your request.

High Deductibles
When you buy auto insurance, your comprehensive and collision coverage has a deductible amount, which is an amount you pay out from your own pocket. Some insurance companies automatically set the deductible amount very low. A low deductible amount means you will pay a higher insurance premium.

Call your insurance company and ask them to give you a comprehensive analysis of what your insurance premiums would be at different deductible levels. The information you get can help you make a more informed, financially sound decision about your premiums, especially if you are having problems with high premiums.

Bottom line
Insurance statistics suggest companies can and often dispute claims from policyholders. It is important, therefore, that you provide all the necessary documents to support your claim, including a police report and pictures of the accident. If you notice your insurance agent or company is playing games or trying to over-insure you, call them on it. Remind them that there are many auto insurance companies out there and you are ready to be on your way to one of their competitors should you find good reason to do so.