Five Mistakes That Cost Motorists Insurance Claims After Accidents


Motor insurance covers are supposed to cushion motorists and street customers from the ravaging results of automotive accidents.

On most events, insurance firms step in to pay for damages which can be resulted from accidents. 

However, as a rule, some motorists fail to get the much-needed reprieve after accidents due to choices made after an accident.

Here are errors that would price you your insurance declare after an accident. 

File photo of a motorist checking insurance sticker on his car

File picture of a motorist checking an insurance sticker on his automotive.


1. Failing to make a police report 

When making claims after an accident, insurance firms demand that motorists connect a police report.

Police report not solely confirms to the insurance firms that the accident occurred but in addition give particulars of the accident when it comes to location and time. 

These reviews are closely relied on as a result of they supply an authoritative account of the accident relatively than phrase of mouth by the driving force. This is the principle motive why motorists are urged to contain the police after an accident.

2. Fleeing the accident scene

After an accident, fleeing the scene can price your insurance declare as a result of this makes it troublesome to show that an accident really came about at a given location.

That is the rationale why motorists are urged to not transfer their automobiles after an accident to permit the police to doc the character of the accident.

Secondly, fleeing the scene is commonly an request for forgiveness that you simply really trigger an accident.

Most individuals flee the scene in worry of involving the police within the case. 

3. Falsefying particulars of the accident

Falsifying accident particulars quantities to insurance fraud. Motorists are all the time urged to offer true accounts of occasions resulting in the accident.

4. Making settlements with the opposite motorists 

One widespread development that has been witnessed over time is that motorists typically accept roadside settlements with different motorists to cowl for damages brought on.

This is commonly witnessed in instances the place the motorists don’t wish to contain the police within the matter as they could possibly be at fault.

Another motive individuals accept settlements is that they lack legitimate insurance protection.

Making a settlement on the scene can also be disadvantageous as a result of it makes it troublesome to show that an accident occurred. After all, the opposite motorist all the time leaves the scene after making the settlement.

In most instances, within the roadside settlement, motorists get a decrease cost for damages than they might have gotten via the insurance.

5. Failing to inform the insurance firm

Another motive why individuals lose out on insurance is that if they fail to make their claims on time. This is the rationale why motorists are sometimes urged to inform their insurance of an accident as soon as it occurs.

Delays in reporting additionally have an effect on the motorist’s account of occasions, and making errors in recounting the accident can result in errors within the declare.

Once it’s decided that there are errors within the declare, the insurer will typically deny it as in addition they examine the incident.

The National Transport and Safety Authority (NTSA)  signifies that 15,925 crashes have been recorded on Kenyan roads between January 1 and September 26.

Most of the instances have been linked to human errors. 

Fatal road accident involving a PSV and a truck at Taru along the Nairobi-Mombasa Highway on Friday, July 8, 2022.

Fatal street accident involving a PSV and a truck at Taru alongside the Nairobi-Mombasa Highway on Friday, July 8, 2022.


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