Knowing your rights for insurance claims is important. Here is some advice on how to complete an insurance claim yourself, which may seem common sense but can lead to an unsuccessful outcome if not followed:
Most insurance claims are settled to the mutual satisfaction of the insurer and the insured, particularly straight-forward motor vehicle repairs and property damage. However, chances are that by the time you have found our services, your claim has already been declined.
Many insurance company declinations are able to be challenged using the appropriate argument and language. Insurers must follow the policy terms, Fair Insurance Code and New Zealand law, although many of the legal obligations of insurance companies are not well known to clients. We can help you navigate through the policy wording to understand your rights.
Do not give up. We will advise how to obtain your claims payout if you feel the insurer's decision is not right. For example, even if your claim has been denied for exaggeration, as mentioned above, we may be able to assist in reaching a negotiated settlement with your insurer.