Protect Yourself Against Rejection From a Claim With Your Ongoing Vehicle Coverage
Getting what seems to be a good deal to continue the coverage you originally had for repairs on your vehicle is only part of being covered.
Once you have the signed the contract and the coverage in effect, many people are surprised when they make a claim on their vehicle only to have it rejected.
There are some things you can do to help keep this from happening to you.
Don't get the repairs to your vehicle until after you have gotten them approved.
If you go ahead and pay out-of-pocket to save time, you may find yourself out the cost of the repairs.
Without pre-authorization, you may be left without any coverage.
Don't hesitate to let the company providing you the coverage do a pre-coverage inspection of your vehicle.
In fact, it is better if they do! If they pass the vehicle, then when you make a claim months after your coverage is in effect, they can claim that is was already present before you took out the coverage.
Most companies will require you to be responsible for regular maintenance on your vehicle like having the oil changed regularly.
You should refer to the manufacturer's maintenance guide for the vehicle you own or they will deny your claim when repairs are needed.
Missing oil changes can lead to serious damages of your vehicle and they won't pay for you to have them repaired.
Maintaining fluid levels, replacing worn rubber parts and other things that are normal maintenance should be kept filled and in good working order.
If you fail to take care of them, your claim will get rejected.
When the button comes on to tell you that your engine is hot, pull over.
Almost everyone has a cell phone these days so they can call for assistance rather than running the risk of doing serious damage with an overheated engine.
Your coverage may include roadside assistance to tow your vehicle in for repairs but even if it doesn't, it will be cheaper to pay the tow bill yourself than to pay for a new engine! If the mechanics break down your entire car to get to the repair spot and find that it isn't covered or that it malfunctioned due to a lack of providing regular maintenance, not only will you have to pay for the repair but also for the time it took to break it down and put it back together again.
This is another reason you should be sure that you have extensive coverage on your vehicle for both mechanical breakdown and wear and tear, and that you do the regular maintenance on the vehicle.
Installing any type of equipment that wasn't from the factory will mean that it is not covered for repairs unless you specifically request coverage and pay extra for it.
Using after market parts on your vehicle can void your coverage.
In order to get the most from your ongoing coverage for your vehicle, you must stick with your part of the contract or you will find yourself paying your own repair bills!
Once you have the signed the contract and the coverage in effect, many people are surprised when they make a claim on their vehicle only to have it rejected.
There are some things you can do to help keep this from happening to you.
Don't get the repairs to your vehicle until after you have gotten them approved.
If you go ahead and pay out-of-pocket to save time, you may find yourself out the cost of the repairs.
Without pre-authorization, you may be left without any coverage.
Don't hesitate to let the company providing you the coverage do a pre-coverage inspection of your vehicle.
In fact, it is better if they do! If they pass the vehicle, then when you make a claim months after your coverage is in effect, they can claim that is was already present before you took out the coverage.
Most companies will require you to be responsible for regular maintenance on your vehicle like having the oil changed regularly.
You should refer to the manufacturer's maintenance guide for the vehicle you own or they will deny your claim when repairs are needed.
Missing oil changes can lead to serious damages of your vehicle and they won't pay for you to have them repaired.
Maintaining fluid levels, replacing worn rubber parts and other things that are normal maintenance should be kept filled and in good working order.
If you fail to take care of them, your claim will get rejected.
When the button comes on to tell you that your engine is hot, pull over.
Almost everyone has a cell phone these days so they can call for assistance rather than running the risk of doing serious damage with an overheated engine.
Your coverage may include roadside assistance to tow your vehicle in for repairs but even if it doesn't, it will be cheaper to pay the tow bill yourself than to pay for a new engine! If the mechanics break down your entire car to get to the repair spot and find that it isn't covered or that it malfunctioned due to a lack of providing regular maintenance, not only will you have to pay for the repair but also for the time it took to break it down and put it back together again.
This is another reason you should be sure that you have extensive coverage on your vehicle for both mechanical breakdown and wear and tear, and that you do the regular maintenance on the vehicle.
Installing any type of equipment that wasn't from the factory will mean that it is not covered for repairs unless you specifically request coverage and pay extra for it.
Using after market parts on your vehicle can void your coverage.
In order to get the most from your ongoing coverage for your vehicle, you must stick with your part of the contract or you will find yourself paying your own repair bills!
