HOOK
What if your car insurance claim gets denied over something you could have fixed in minutes? Before you file, here are the three most common mistakes that trip people up.
[Quick cuts: damaged car, claim form, phone call to insurer]KEY POINT 1
First, wait to file until you know what your policy covers. Collision, comprehensive, rental reimbursement, and roadside assistance are all separate. If you assume a loss is covered and it’s not, that’s a fast way to get a denial.
[On-screen policy pages highlighting coverage sections]KEY POINT 2
Second, document everything right away. Take clear photos, write down the time and location, and save receipts for towing or repairs. Insurance companies look for details, and missing information can slow down—or weaken—your claim.
[B-roll of phone photos, receipts, damage close-ups]KEY POINT 3
Third, don’t admit fault too early. Give the facts, but avoid guessing what happened before the investigation is complete. A simple statement like, “I’m sharing what I know,” can keep your claim on track.
[Driver speaking with adjuster, text bubble: “facts only”]CTA
If you want fewer surprises, review your declarations page before you ever need it. And if you’re unsure about a claim, call your insurer and ask what documents they need first.
[B-roll: person reviewing policy on laptop, tap to learn more]
