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We've all heard the horror stories of people who try to claim on their car insurance, only to their claim rejected due to a technical or a few details that have been forgotten. The higher your debt, the harder it will be the insurer work to find any reason not to pay. Some of the steps you can take to avoid this problem is only a matter of diligence and common sense.

Always wear your seatbelt. If you are injured in an accident and it turned out that you are not up Belted, the insurer will take your call immediately. You can also arise with heavy fines if you are caught without your belt. Likewise, if you were found under the influence of drugs or alcohol at the time of the accident. And about the legal implications, drunk driving, make your insurance claim could be invalid, as you seen to have caused the accident. The same goes for speeding and other types of dangerous driving. All you will be more of a grip on the road, and rather in an accident.

Included in our next point, the admission of the guilt. If you believe that the accident was your fault, do not automatically assume responsibility. Guilt is for the insurer and the police to decide. It may try to deal with him, but it may be factors you are not known, you can crash into the car, but the driver would have been distracted when the phone, not the attention to the street. All this will be investigated and any mitigating circumstances taken into account.

Make sure your car is legal and in a fit state to be on the road. Everything, like your tire is bald, lights not working or missing a wing mirror could mean that your car is not roadworthy. Do not take the fact that you are a recent TÜV certificate is an indication of the road - the certificate is only proof that the car was legal on the day of examination. Have your car checked on a regular basis, or do it yourself, to give you peace of mind that you are in the right. Police can now pull over cars at random and perform spot checks on all issues including the oil, water in the discs, and also that your horn works. If something is not to be, TÜV-standard, a later claim may be invalid.

Finally, make sure you fill out your application completely and honestly. If you omit the details, whether by accident or on purpose, and then they come to light during an application, your claim could be thrown away. This includes any changes to your car - internally or externally - and all changes of personal data, such as a married, change of address, etc. Some lowers your premiums, such as getting married - married couples are considered safer drivers - another increase - Add alloy wheels your car Sill, its value and attractiveness to thieves. Even if you think that a change is insignificant, call it anyway to be sure.

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J Tillotson is a financial writer and car enthusiasts in the UK