A claim often comes unexpectedly – ​​be it a car accident, water damage in your apartment, or a liability claim. In such situations, every action counts. However, many people make common mistakes that lead to reduced or even denied insurance claims.
This article will show you which pitfalls to avoid – and how to professionally secure your claims from the outset.

Mistake #1: Reporting the damage too late

Insurance companies expect claims to be reported immediately . Those who wait too long risk having their claims rejected. Even if you don't yet have all the details, report the damage immediately and submit supporting documentation later.

2. Error: Missing or incorrect documentation

A verbal report is not enough. Photos, invoices, witness statements – anything that documents the damage is invaluable. Many policyholders make the mistake of not securing evidence immediately .

Tip: Use your smartphone directly at the scene of the accident or damage to document everything completely.

3. Mistake: Unauthorized repairs or disposal

Those affected often want to act quickly and repair the damage. However, without the insurance company's consent, this can become expensive. If evidence is destroyed, the basis for a claim is missing.

Rule: Obtain approval first, then act.

4. Mistake: No consultation regarding questions of guilt

Especially in cases of liability or vehicle damage, many people are quick to admit fault. This can have serious consequences because insurance companies can use these statements against you.
Better: Do not admit fault – only report the damage.

5. Mistake: Lack of expert support

Insurance terms and conditions are often complex. Trying to sort everything out on your own can easily lead to overlooking important points. An insurance coach or lawyer can safeguard your rights and protect you from costly mistakes.

Conclusion: This is how you secure your claims

• Report damage immediately

• Document completely

• No hasty repairs or admissions of guilt

• If you are unsure, seek expert advice

Those who follow these basic rules have the best chance of enforcing their legitimate claims.

Dealing with a claim is stressful enough – you need clarity and security.
👉 Let's work together to determine how you can be optimally protected and, in an emergency, enforce your claims without any pitfalls.