3 Mistakes That Invalidate Your Car Insurance

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Car insurance is there to protect you in the event of an accident so you don’t have to pay for all of the repairs. But a lot of people think that they just pay their insurance and then they’ll get repairs covered regardless of the circumstances of the accident. In reality, it’s nowhere near as simple as that. Insurance companies would rather not pay out so they’ll always look for ways to invalidate your claim and refuse to pay. If that happens, you could end up in a lot of financial trouble. To avoid that, make sure that you’re aware of these things that could invalidate your car insurance claim.

Lack Of Evidence

If you’re in an accident and you’re trying to claim money for repairs, you need to have a good record of all of the damage. It’s important to call a tow truck and get the car to a mechanic to be repaired, but only once you’ve gathered all of the necessary evidence. If you get it repaired and then try to claim for the damage without sufficient evidence, your claim is likely to be denied.

The first thing to do after a crash is make sure that everybody is ok and nobody needs medical assistance. Next, you need to call the police and inform them of the crash. After that, it’s time to start gathering evidence. If you’ve got a dash cam in the car, you’ve already got footage of the crash itself which is incredibly useful. You also need to take detailed photographs of any damage to the car, both inside and out. If you have injuries of any kind, you should photograph those as well. They will come in useful if you make an insurance claim in future. If you can’t prove the damage to the car, you’re not likely to get a payout.


If any of the information that you provided about yourself or the car is deemed to be incorrect, your car insurance policy is invalidated. A lot of people get caught out by this if they make modifications to the car. Most people realize that they need to tell their insurer if they make changes to the engine or the brakes etc. but they don’t think about the smaller modifications. For example, if you change the paint color on your car, some insurers will consider that a modification that they need to know about. Things like roof racks or tow bars count as well. To be on the safe side, you should let them know any time you change something on the car, no matter how small.

Lying About Driving Convictions

It makes sense that people with driving convictions will have to pay higher insurance premiums because they’re more of a risk. So, you might decide not to mention the speeding ticket a few years ago when you’re setting up your insurance policy but that’s not a good idea. When you come to make a claim, they will find out about it and that will invalidate your claim entirely. It’s far better to be honest and pay a slightly higher premium on insurance that you can actually use, rather than lie and be unable to make a claim.

If you make any of these mistakes when you’re making a claim, you’ll end up paying for all of the repairs yourself.

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