Common and Expensive Car Insurance Claims clicksud.us

As a visionary car insurance provider dead-set on changing the way car insurance is done, we pride ourselves on being a force for good. But it means we’re often helping our fellow South Africans during some pretty dire times… and it means we’ve seen our fair share of insurance claims.

We’ve gathered together the most common and expensive car insurance claims to uncover what’s happening and how you can prevent it from happening to you.

Here are the big ones, along with tips on how to avoid them.

accidents due to distracted driving

‘That tree came out of nowhere!’

‘I took my eyes off the road for half a second…’

‘I was just changing the song when BAM!’

Do any of these sound familiar? Chances are, you’ve heard friends and family describe events on the streets along some variation of these lines. According to AA, a International Studies It turned out that almost half of the participants were distracted by their smartphones and almost swerved or somehow crossed into the other lane. Half, guys.

The fact is that distracted driving is a leading cause of car accidents, and it is completely preventable. Keep the volume to a reasonable volume and either put your phone on silent or turn it off before you start driving. If you need to make a call or send a message, stop in a safe place first.

It may sound like we’re asking you to be a Luddite, but safety first. Always.

Damage from hitting potholes

One of the realities of driving on roads that are riddled with holes (not unlike Swiss cheese) is damage to your tires and wheels. It’s not just about the tires getting punctured, it’s about the rims and your car’s suspension.

We would go so far as to say that potholes were the main inspiration for King’s tire and rim insurance, which means you can get your tires and rims repaired or replaced without pocketing the money.

A simple trick to navigating this type of claim is to take it slow and pay attention. If you keep your eyes on the road, you can quickly sense that it’s in bad shape and take that as your cue to slow down. This gives you time and space to safely escape through holes, cracks and crevices.

Theft

Surprise surprise… Car theft is a huge problem in South Africa. But there are things you can do to avoid this from happening to you. Like always parking your car in a well lit area and double checking that your remote has actually locked your car. You can also hide valuables in the boot and consider installing a tracking device.

For those nefarious thieves who just won’t be cowed down? Well, that’s where we step in and have you covered against the cost of replacing your car.

engine failure due to neglect

Things go unexpectedly wrong, it’s true. But things also go wrong if left unchecked. This is especially true for your car’s engine. Without regular maintenance, such as oil, coolant, and other fluid checks, as well as regular services, you may find yourself in sudden shutdowns. Complete with a puff of smoke. As a result, you may also be involved in an accident.

This is a double whammy of costs coming your way, as you will have to have your damaged engine fixed as well as any costs related to the accident. and you know what? There are some instances where engine neglect can void your insurance, so you will not be able to make a claim.

Basically, take care of your child.

Drunk driving accidents

you know it’s over 60% How many road accidents are caused by drunk driving in South Africa?

The fact is that driving under the influence of drugs or alcohol is illegal and extremely dangerous. This is a reason for rejection of car insurance claims and in some cases even cancellation of your policy.

No need to get too serious, but this is a serious topic. So please, plan ahead and arrange for a sober driver or ride-sharing service if you plan to drink alcohol.

Better yet, take King’s Cab. That way, if you’re going out of town and know you’ll be ‘over the limit’ when you’re ready to go home, we’ll escort you (and your car) safely to your driveway. It’s a small extra cost… for huge peace of mind.

We hope this information was helpful. Don’t forget about King’s Simple cheap car insurance options and extras, which suit a range of budgets and needs.

Just get in touch with us, either online or even on WhatsApp on 0860 50 50 50