When you’re paying for car insurance, you like to think you’re properly covered and that someone’s paying attention to your needs. When you’re paying for car service, you like to think that the people doing the service can at least explain in some known language what the issues are. If you’ve ever been in the position of feeling like a tennis ball going between your car insurer and your car service people about a claim, you’ll know that that’s an experience you can happily do without.
Well, is that so unreasonable? Car insurance claims aren’t supposed to be some sort of mystic ritual. Yet, it happens, and motorists are left trying to figure out why their car repair seems to be some sort of mystery to the people supposed to be paying for it. It’s bad enough having the issues of car repairs without having a further problem or several created by someone short changing you on the insurance cover.
There are two elements in this equation:
The car insurer: If you’ve checked out some car insurance policies, you may have spent a few pleasant hours wading through almost incomprehensible language detailing policy cover. This enchanting experience is often made worse by ringing up and asking for explanations, which are frequently also clear as mud.
This is old style insurance at its worst. If you’re under 50, you may not know that the old paper technology insurance was a horror story for many motorists. You may also not know that these fossils were simply transferred into electronic form when digital technology came along. The result is that the old style policies are still around, still making life difficult for motorists. That’s also the likely reason you’ve found yourself behind the eight ball when getting cover for bona fide repairs.
The car service company: To be fair, the best car service companies aren’t the problem. The only real issues are likely to occur with lower quality service companies which may or may not be acting in your interests. There’s no good reason why a car service bill should be anything other than 100% clear and easy to relate to car insurance cover.
The time to start getting suspicious about your car service is when the car insurer clearly doesn’t trust the car service information.
The probable reasons are:
Overcharging- Not exactly unknown, and always expensive. The insurer may actually be worried about legitimate cost issues.
Anomalies between claim and charges- This is a problem that may arise when the car service “volunteers” to do extra work not related to the claim. In theory this is doing you a favour, in practice it’s adding to charges. The insurer should come back to you and explain any issues, so you can get a revised bill for services which reflect actual costs related to the claim.
The solution
Don’t guess about your car insurance claim problems, do something about them. The best option for motorists is to get the new online car insurance, which is a paperless process, very fast and extremely efficient. There’s no bureaucracy, no weird old policies and you get the help you need on the spot, either online or by phone. You’ll get results and keep your costs down.
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