The last thing any of us want to hear when it comes our insurance claim is "sorry but, I'm afraid you're too late." 
What is more, this is a hugely costly mistake that can be so easily avoided!
We all know how crazily busy the winter season is here in the Alps however, taking a few minutes simply to contact your insurer and inform them about an incident AT THE TIME is an investment worth making!
Timing is everything when it comes to making an insurance claim in France.
Late reporting can seriously hurt your chances of approval! Here’s why:
Claim Denial: Most insurers have strict deadlines for reporting claims. Missing this window could mean an automatic denial! 
Technically speaking for car accidents, all parties involved, need to complete the "Constat Amiable" & submit it to their insurer within 5 days of the accident. For all claims, you have a window of 2 years from the moment your claim is opened, to submit all information relating to your claim.
Evidence Loss: The longer you wait, the harder it is to gather evidence. Photos, witness accounts, and damage assessments lose urgency over time. 
Incomplete Information: Delaying your report might lead to forgotten details. Insurers need comprehensive information to process claims smoothly. We cannot over emphasise the benefits of submitting clear & comprehensive documentation to support your claim as quickly as possible. IMake it as easy as possible for the person analysying your claim to undersqtand it and to reach a decision quickly.
Policy Violations: Many policies explicitly state prompt reporting as a requirement. Late action can be seen as a breach! 
Frustrating Delays: Waiting can complicate the entire process, resulting in longer wait times for resolution and payment. 
Pro Tip: Always report incidents as soon as possible! It’s your best strategy for a successful claim. 
If in doubt, don't waste time fretting over the details yourself. Pick up the phone to either Janet or Jill here at First Assurance and we'll happily advise you on how to proceed with your claim.
jill@firstassurance.com
Tel: 04 57 35 03 15
