Make informed choices about Car Insurance in Australia!
Car insurance in Australia is more than a legal obligation; it's your safety net on the road. It shields you from the financial fallout of accidents, ensuring you can get back on track quickly. However, with so many options, choosing the right policy demands pensive consideration. Beyond just cost, factors like coverage limits and benefits matter. Rushing this decision could leave you exposed or paying more than you should. In this blog, we'll talk about insurance, helping you understand why it's vital and how to choose wisely. Let's empower you to make smart new car insurance decisions!
Understanding your needs
Knowing which car insurance to pursue for your needs can be tricky. Figuring out what you need and what would be nice to have can take some time and effort, let’s make this easy for you!
- Assess personal driving habits and frequency
Think about how often you use your car and the type of driving you do. For instance, if you use your car daily for commuting in busy city traffic, you may want comprehensive coverage. This would protect you in case of accidents, theft, or damage from weather events. However, if you only use your car occasionally for short trips, a basic third-party property insurance policy might be sufficient.
- Determine the level of coverage required (comprehensive, third-party, etc.)
Consider the level of protection you want for your car. For example, if you own a new or expensive vehicle, comprehensive insurance would provide the most extensive coverage. This would include cover for damage to your car as well as damage to other vehicles or property. On the other hand, if your car is older or has a lower value, you might choose a third-party property insurance policy. This would cover damage to other vehicles or property, but not damage to your car.
- Consider the age and value of your car
Take into account the age and value of your car when deciding on insurance. For instance, if you have a new or valuable car, comprehensive insurance would give you peace of mind knowing you're fully covered. However, if your car is older or has a lower value, you might opt for a more basic insurance policy. This would cover you for damage to other vehicles or property, but not for damage to your car.
What are the different types of coverage?
1.Comprehensive Car Insurance: Offers extensive coverage for your vehicle, including damage from accidents, theft, vandalism, and natural disasters. Also covers damage to other people's property, but it is the most expensive option.
2. Third-Party Fire and Theft: Covers your car if stolen or damaged by fire, and provides cover for damage you cause to other people's property. It's a middle ground between comprehensive insurance and basic third-party property damage insurance, offering some protection for your car at a lower cost.
3. Third-Party Property Damage: Basic insurance covers damage you cause to other people's property. It includes liability cover for legal proceedings resulting from the damage caused but does not cover damage to your car.
4. Compulsory Third-Party (CTP) Insurance: Mandatory for all registered vehicles in Australia, covering claims for financial compensation if you injure or kill someone in a motor vehicle accident. CTP insurance only covers personal injury liability and does not cover damage to vehicles or property.
When choosing the right insurance policy, consider your individual needs and budget.
| Type of Insurance |
Comprehensive Insurance | Third-Party, Fire & Theft Insurance |
Third-Party Property Insurance | Compulsory Third Party Insurance |
|---|---|---|---|---|
| Injuries or death | ✗ | ✗ | ✗ | ✓ |
| Damage to other people’s property |
✓ | ✓ | ✓ | ✗ |
| Damage or loss of your car caused by theft or fire |
✓ | ✓ | ✗ | ✗ |
| Damage to your car from a traffic accident |
✓ | ✗ | ✗ | ✗ |
What should you consider when researching car insurance providers?
When it comes to finding the right new car insurance, thorough research is key. Here's a detailed approach to help you choose the best options for you, effectively:
- Compare quotes
Obtain quotes from several car insurance providers. Compare not only the premiums but also the coverage offered. Look for any additional benefits or features that may be included, such as roadside assistance or a no-claim bonus. Take note of any differences in excess and exclusions.
- Evaluating reputation and customer reviews
When evaluating an insurance company, consider customer reviews and ratings to gauge their reputation. Look for patterns in reviews, focusing on claims processing, communication ease, and overall satisfaction. Additionally, check the insurer's history of resolving disputes and providing timely and fair compensation. A company with a strong track record of customer satisfaction and reliable claims handling is likely to be a good choice.
- Check financial stability
Investigate the financial stability of the insurance companies you're considering. A financially stable insurer is more likely to fulfil its obligations in the event of a claim. Check independent ratings from agencies like moneysmart, choice, finder, etc. Look for a company with a strong rating, indicating its ability to provide high value to customers at low cost. If available, seek an insurance provider with a higher claim rate.
- Review policy details
Carefully review the policy details, including the coverage limits, exclusions, and any additional fees or charges. Ensure that the policy meets your specific needs and provides adequate protection for your vehicle. Look for any optional extras that may be beneficial to you, such as rental car coverage or new car replacement.
By following these steps and conducting thorough research, you can make a well-informed decision when choosing an insurance provider. This ensures that you get the right coverage at the best possible price, providing you with peace of mind on the road.
Cost factors
When comparing car insurance quotes, it's important to understand the various factors that can influence your premiums. Here are some key considerations:
- Driving Record
- Credit History
- Coverage Selections
- Deductible Amount
- Car Insurance History
- Car Make and Model.
- Age and Driving Experience
- ZIP Code
- Other Non-driving Factors
These factors affect your premiums, and knowing all about them can make more informed decisions when shopping for car insurance. It's important to compare quotes from multiple insurers and consider all of these factors to find the right coverage at the best price.
What are deductibles and premiums?
A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. It applies to certain types of car insurance coverage, such as comprehensive and collision.
How it works: If you have a $500 deductible and your car needs $2,000 in repairs, you pay $500 and your insurance covers the remaining $1,500.
Setting your deductible: You can choose your deductible amount when adding coverage to your policy. A higher deductible typically lowers your premium, but make sure it's an amount you can afford to pay if you need to file a claim.
Coverage without deductibles: Some coverage, like third-party property damage, doesn't require a deductible.
Choosing the right deductible: Consider your budget and the value of your car when setting your deductible. A balance between a manageable deductible and a reasonable premium is key.
Premiums are what you pay each year for insurance. Insurers determine your premium based on the likelihood of you making a claim.
In car insurance, the relationship between deductible amounts and premium costs is often a balancing act. A higher deductible can mean a lower premium, as you're agreeing to pay more out-of-pocket before your insurance kicks in. This lower premium can be appealing, especially if you're looking to save money on your monthly expenses. However, it's essential to consider whether you can afford to pay the higher deductible if you need to make a claim.
On the other hand, a lower deductible typically means a higher premium. While this may result in higher monthly payments, it also means you'll pay less out-of-pocket if you need to make a claim. This can provide peace of mind knowing that you won't be faced with a significant expense in the event of an accident.
Ultimately, the decision between a higher or lower deductible depends on your circumstances and risk tolerance. If you're a safe driver and confident in your ability to cover a higher deductible, opting for a higher deductible may be a cost-effective choice. However, if you prefer the security of knowing you'll have lower out-of-pocket costs in the event of a claim, a lower deductible may be more suitable for you, despite the higher premium.
What are policy inclusions and exclusions?
Car insurance covers different things depending on the type you have. In Australia, there are three main types:
- Comprehensive Car Insurance: This covers damage to your car and also pays for damage your car causes to other people's property, like their cars.
- Third-Party Property Only Car Insurance: This covers only the damage your car causes to other people's property, like their cars.
- Compulsory Third Party (CTP) Insurance: This covers compensation claims if you injure or kill someone in an accident.
Each type of insurance offers different levels of protection, so it's important to choose one that suits your needs.
What are some common exclusions and how can you address them?
Car insurance doesn’t cover every situation. Here are 5 typical exclusions:
- Driving under the influence: If you’re intoxicated or on certain drugs while driving, you likely won’t be covered.
- Unapproved modifications: Changing your car without notifying your insurer may lead to reduced or denied claims.
- Gradual depreciation: Normal wear and tear like rust or general ageing usually isn’t covered.
- Restricted and unlicensed drivers: If someone not allowed to drive your car does, your claim might be denied.
- Overloading your vehicle: Car insurance might not cover accidents caused by carrying too much weight.
To make sure your car insurance covers you well, don't drink and drive or take drugs before driving. If you want to change your car, ask your insurer first to make sure it's okay. Keep your car in good condition to avoid problems later. Only let people with a licence drive your car, and don't carry too much weight in your car.
Why is it crucial to carefully read your Auto Insurance Declarations Page?
Car insurance is a vital investment for drivers and vehicle owners, ensuring their safety and the safety of others. One of the most critical documents related to your auto insurance is the Auto Insurance Declarations Page, often referred to as a "dec page." This document summarises your policy coverage, including liability, collision coverage, deductibles, and limits. It also contains important information such as the policyholder's name, additional insured individuals, excluded drivers, policy number, coverage dates, driving history, annual mileage, and details about insured vehicles. While not a replacement for your insurance ID card, the dec page can sometimes serve as proof of active insurance coverage.
How can you ensure that you understand the fine print and terminology used in insurance policies?
Insurance companies deny many claims each year, leaving people without coverage for home damage, car accidents, and theft. This often happens due to confusing terms, unexpected exclusions, and unfair rejections. About 100,000 general insurance claims are turned down annually, highlighting the importance of understanding your policy's details.
One common issue is under-insurance, where people think they're covered for something but find out they're not when it's too late. For instance, if your car gets damaged and you realise your insurance only covers up to $5,000 while repairs cost $10,000.
What is the claim process on your car insurance?
You can claim when your policy covers the loss or damage you've suffered. It's important to contact your insurer soon after a car accident, as some policies have time limits for claiming. They can also tell you if you're eligible for any emergency benefits like free car hire or accommodation.
Follow the below-mentioned steps to make a claim:
Step 1: Collect details about the accident, including the other driver's contact and insurance information, as well as photos of the damage.
Step 2: Review your policy to understand what you can claim for and any exclusions.
Step 3: You'll likely have to pay an excess when you make a claim, so check your policy for the amount and any conditions for waiving it.
Step 4: Follow your insurer's claims process, which may involve filling out a claim form over the phone or online.
Step 5: The insurer will contact you within 10 business days to accept or reject your claim. If rejected, they must provide a written explanation. They may also investigate the accident and contact other parties involved.
If your car has met with a severe accident, and if condition allows, contact the insurer immediately and seek roadside-assistance support if applicable.
If you're unhappy with how your claim is handled, you can complain to the insurer's Internal Dispute Resolution team or the Australian Financial Complaints Authority (AFCA).
Why is it important to review and update your insurance policy at renewal?
Renewing your insurance policy is a critical time to review and update your coverage. As your circumstances may change over time, such as buying a new car or moving to a new location, it's essential to ensure your policy reflects these changes. Reviewing your policy at renewal allows you to adjust your coverage to match your current needs, ensuring you're adequately protected.
Changes in circumstances, such as changes in your driving habits or lifestyle, can also affect your coverage needs. For example, if you start using your car for business purposes, you may need to update your policy to include business use. By reviewing your policy at renewal, you can identify any gaps in coverage and make necessary adjustments to avoid being underinsured.
Additionally, shopping around for better deals during renewal can help you find a more competitive rate or better coverage. Insurance companies may adjust their rates or offer new discounts, so it's worth comparing quotes from different providers to ensure you're getting the best value for your money.
Conclusion
Understanding car insurance and making informed decisions is crucial for Australian drivers. From choosing the right type of coverage to reviewing and updating policies at renewal, careful consideration can ensure you're adequately protected on the road. By comparing quotes, researching providers, and understanding policy details, you can find the best insurance options to suit your needs and budget. Remember, insurance is not just a legal requirement; it's your safety net and peace of mind.
FAQs
1. What insurance is mandatory for new vehicles in Australia?
All new vehicles require Compulsory Third Party (CTP) insurance, also known as a 'greenslip,' except for trailers and caravans. In most cases, the motor dealer will arrange CTP insurance simultaneously with the registration process.
2. Which insurance company offers the most affordable car insurance in Australia?
According to Finder research, Bingle offers the cheapest comprehensive car insurance policy. While the average comprehensive policy in Australia costs $1,363, Bingle's average policy costs only $862. This makes Bingle a great option for those who want comprehensive coverage without extra features.
3. Do new cars include comprehensive insurance?
When you buy a new or used car using finance, the finance company might offer insurance through their provider. This insurance is usually comprehensive but may not be the most cost-effective choice.
4. Why is it important to report incidents to your insurance provider promptly and document the details?
Prompt reporting and documentation are crucial in the event of an incident. For example, if you accidentally scratch another car in a parking lot, reporting this to your insurance company immediately can help you navigate the next steps and determine if you need to make a claim. Some insurers offer 24/7 helplines or online portals for quick reporting. Documenting the details, such as the time, location, and any other relevant information, ensures accuracy and helps speed up the claims process.
Car insurance in Australia is more than a legal obligation; it's your safety net on the road. It shields you from the financial fallout of accidents, ensuring you can get back on track quickly. However, with so many options, choosing the right policy demands pensive consideration. Beyond just cost, factors like coverage limits and benefits matter. Rushing this decision could leave you exposed or paying more than you should. In this blog, we'll talk about insurance, helping you understand why it's vital and how to choose wisely. Let's empower you to make smart new car insurance decisions!
Understanding your needs
Knowing which car insurance to pursue for your needs can be tricky. Figuring out what you need and what would be nice to have can take some time and effort, let’s make this easy for you!
- Assess personal driving habits and frequency
Think about how often you use your car and the type of driving you do. For instance, if you use your car daily for commuting in busy city traffic, you may want comprehensive coverage. This would protect you in case of accidents, theft, or damage from weather events. However, if you only use your car occasionally for short trips, a basic third-party property insurance policy might be sufficient.
- Determine the level of coverage required (comprehensive, third-party, etc.)
Consider the level of protection you want for your car. For example, if you own a new or expensive vehicle, comprehensive insurance would provide the most extensive coverage. This would include cover for damage to your car as well as damage to other vehicles or property. On the other hand, if your car is older or has a lower value, you might choose a third-party property insurance policy. This would cover damage to other vehicles or property, but not damage to your car.
- Consider the age and value of your car
Take into account the age and value of your car when deciding on insurance. For instance, if you have a new or valuable car, comprehensive insurance would give you peace of mind knowing you're fully covered. However, if your car is older or has a lower value, you might opt for a more basic insurance policy. This would cover you for damage to other vehicles or property, but not for damage to your car.
What are the different types of coverage?
1.Comprehensive Car Insurance: Offers extensive coverage for your vehicle, including damage from accidents, theft, vandalism, and natural disasters. Also covers damage to other people's property, but it is the most expensive option.
2. Third-Party Fire and Theft: Covers your car if stolen or damaged by fire, and provides cover for damage you cause to other people's property. It's a middle ground between comprehensive insurance and basic third-party property damage insurance, offering some protection for your car at a lower cost.
3. Third-Party Property Damage: Basic insurance covers damage you cause to other people's property. It includes liability cover for legal proceedings resulting from the damage caused but does not cover damage to your car.
4. Compulsory Third-Party (CTP) Insurance: Mandatory for all registered vehicles in Australia, covering claims for financial compensation if you injure or kill someone in a motor vehicle accident. CTP insurance only covers personal injury liability and does not cover damage to vehicles or property.
When choosing the right insurance policy, consider your individual needs and budget.
| Type of Insurance |
Comprehensive Insurance | Third-Party, Fire & Theft Insurance |
Third-Party Property Insurance | Compulsory Third Party Insurance |
|---|---|---|---|---|
| Injuries or death | ✗ | ✗ | ✗ | ✓ |
| Damage to other people’s property |
✓ | ✓ | ✓ | ✗ |
| Damage or loss of your car caused by theft or fire |
✓ | ✓ | ✗ | ✗ |
| Damage to your car from a traffic accident |
✓ | ✗ | ✗ | ✗ |
What should you consider when researching car insurance providers?
When it comes to finding the right new car insurance, thorough research is key. Here's a detailed approach to help you choose the best options for you, effectively:
- Compare quotes
Obtain quotes from several car insurance providers. Compare not only the premiums but also the coverage offered. Look for any additional benefits or features that may be included, such as roadside assistance or a no-claim bonus. Take note of any differences in excess and exclusions.
- Evaluating reputation and customer reviews
When evaluating an insurance company, consider customer reviews and ratings to gauge their reputation. Look for patterns in reviews, focusing on claims processing, communication ease, and overall satisfaction. Additionally, check the insurer's history of resolving disputes and providing timely and fair compensation. A company with a strong track record of customer satisfaction and reliable claims handling is likely to be a good choice.
- Check financial stability
Investigate the financial stability of the insurance companies you're considering. A financially stable insurer is more likely to fulfil its obligations in the event of a claim. Check independent ratings from agencies like moneysmart, choice, finder, etc. Look for a company with a strong rating, indicating its ability to provide high value to customers at low cost. If available, seek an insurance provider with a higher claim rate.
- Review policy details
Carefully review the policy details, including the coverage limits, exclusions, and any additional fees or charges. Ensure that the policy meets your specific needs and provides adequate protection for your vehicle. Look for any optional extras that may be beneficial to you, such as rental car coverage or new car replacement.
By following these steps and conducting thorough research, you can make a well-informed decision when choosing an insurance provider. This ensures that you get the right coverage at the best possible price, providing you with peace of mind on the road.
Cost factors
When comparing car insurance quotes, it's important to understand the various factors that can influence your premiums. Here are some key considerations:
- Driving Record
- Credit History
- Coverage Selections
- Deductible Amount
- Car Insurance History
- Car Make and Model.
- Age and Driving Experience
- ZIP Code
- Other Non-driving Factors
These factors affect your premiums, and knowing all about them can make more informed decisions when shopping for car insurance. It's important to compare quotes from multiple insurers and consider all of these factors to find the right coverage at the best price.
What are deductibles and premiums?
A deductible is the amount you pay out-of-pocket before your insurance coverage kicks in. It applies to certain types of car insurance coverage, such as comprehensive and collision.
How it works: If you have a $500 deductible and your car needs $2,000 in repairs, you pay $500 and your insurance covers the remaining $1,500.
Setting your deductible: You can choose your deductible amount when adding coverage to your policy. A higher deductible typically lowers your premium, but make sure it's an amount you can afford to pay if you need to file a claim.
Coverage without deductibles: Some coverage, like third-party property damage, doesn't require a deductible.
Choosing the right deductible: Consider your budget and the value of your car when setting your deductible. A balance between a manageable deductible and a reasonable premium is key.
Premiums are what you pay each year for insurance. Insurers determine your premium based on the likelihood of you making a claim.
In car insurance, the relationship between deductible amounts and premium costs is often a balancing act. A higher deductible can mean a lower premium, as you're agreeing to pay more out-of-pocket before your insurance kicks in. This lower premium can be appealing, especially if you're looking to save money on your monthly expenses. However, it's essential to consider whether you can afford to pay the higher deductible if you need to make a claim.
On the other hand, a lower deductible typically means a higher premium. While this may result in higher monthly payments, it also means you'll pay less out-of-pocket if you need to make a claim. This can provide peace of mind knowing that you won't be faced with a significant expense in the event of an accident.
Ultimately, the decision between a higher or lower deductible depends on your circumstances and risk tolerance. If you're a safe driver and confident in your ability to cover a higher deductible, opting for a higher deductible may be a cost-effective choice. However, if you prefer the security of knowing you'll have lower out-of-pocket costs in the event of a claim, a lower deductible may be more suitable for you, despite the higher premium.
What are policy inclusions and exclusions?
Car insurance covers different things depending on the type you have. In Australia, there are three main types:
- Comprehensive Car Insurance: This covers damage to your car and also pays for damage your car causes to other people's property, like their cars.
- Third-Party Property Only Car Insurance: This covers only the damage your car causes to other people's property, like their cars.
- Compulsory Third Party (CTP) Insurance: This covers compensation claims if you injure or kill someone in an accident.
Each type of insurance offers different levels of protection, so it's important to choose one that suits your needs.
What are some common exclusions and how can you address them?
Car insurance doesn’t cover every situation. Here are 5 typical exclusions:
- Driving under the influence: If you’re intoxicated or on certain drugs while driving, you likely won’t be covered.
- Unapproved modifications: Changing your car without notifying your insurer may lead to reduced or denied claims.
- Gradual depreciation: Normal wear and tear like rust or general ageing usually isn’t covered.
- Restricted and unlicensed drivers: If someone not allowed to drive your car does, your claim might be denied.
- Overloading your vehicle: Car insurance might not cover accidents caused by carrying too much weight.
To make sure your car insurance covers you well, don't drink and drive or take drugs before driving. If you want to change your car, ask your insurer first to make sure it's okay. Keep your car in good condition to avoid problems later. Only let people with a licence drive your car, and don't carry too much weight in your car.
Why is it crucial to carefully read your Auto Insurance Declarations Page?
Car insurance is a vital investment for drivers and vehicle owners, ensuring their safety and the safety of others. One of the most critical documents related to your auto insurance is the Auto Insurance Declarations Page, often referred to as a "dec page." This document summarises your policy coverage, including liability, collision coverage, deductibles, and limits. It also contains important information such as the policyholder's name, additional insured individuals, excluded drivers, policy number, coverage dates, driving history, annual mileage, and details about insured vehicles. While not a replacement for your insurance ID card, the dec page can sometimes serve as proof of active insurance coverage.
How can you ensure that you understand the fine print and terminology used in insurance policies?
Insurance companies deny many claims each year, leaving people without coverage for home damage, car accidents, and theft. This often happens due to confusing terms, unexpected exclusions, and unfair rejections. About 100,000 general insurance claims are turned down annually, highlighting the importance of understanding your policy's details.
One common issue is under-insurance, where people think they're covered for something but find out they're not when it's too late. For instance, if your car gets damaged and you realise your insurance only covers up to $5,000 while repairs cost $10,000.
What is the claim process on your car insurance?
You can claim when your policy covers the loss or damage you've suffered. It's important to contact your insurer soon after a car accident, as some policies have time limits for claiming. They can also tell you if you're eligible for any emergency benefits like free car hire or accommodation.
Follow the below-mentioned steps to make a claim:
Step 1: Collect details about the accident, including the other driver's contact and insurance information, as well as photos of the damage.
Step 2: Review your policy to understand what you can claim for and any exclusions.
Step 3: You'll likely have to pay an excess when you make a claim, so check your policy for the amount and any conditions for waiving it.
Step 4: Follow your insurer's claims process, which may involve filling out a claim form over the phone or online.
Step 5: The insurer will contact you within 10 business days to accept or reject your claim. If rejected, they must provide a written explanation. They may also investigate the accident and contact other parties involved.
If your car has met with a severe accident, and if condition allows, contact the insurer immediately and seek roadside-assistance support if applicable.
If you're unhappy with how your claim is handled, you can complain to the insurer's Internal Dispute Resolution team or the Australian Financial Complaints Authority (AFCA).
Why is it important to review and update your insurance policy at renewal?
Renewing your insurance policy is a critical time to review and update your coverage. As your circumstances may change over time, such as buying a new car or moving to a new location, it's essential to ensure your policy reflects these changes. Reviewing your policy at renewal allows you to adjust your coverage to match your current needs, ensuring you're adequately protected.
Changes in circumstances, such as changes in your driving habits or lifestyle, can also affect your coverage needs. For example, if you start using your car for business purposes, you may need to update your policy to include business use. By reviewing your policy at renewal, you can identify any gaps in coverage and make necessary adjustments to avoid being underinsured.
Additionally, shopping around for better deals during renewal can help you find a more competitive rate or better coverage. Insurance companies may adjust their rates or offer new discounts, so it's worth comparing quotes from different providers to ensure you're getting the best value for your money.
Conclusion
Understanding car insurance and making informed decisions is crucial for Australian drivers. From choosing the right type of coverage to reviewing and updating policies at renewal, careful consideration can ensure you're adequately protected on the road. By comparing quotes, researching providers, and understanding policy details, you can find the best insurance options to suit your needs and budget. Remember, insurance is not just a legal requirement; it's your safety net and peace of mind.
FAQs
1. What insurance is mandatory for new vehicles in Australia?
All new vehicles require Compulsory Third Party (CTP) insurance, also known as a 'greenslip,' except for trailers and caravans. In most cases, the motor dealer will arrange CTP insurance simultaneously with the registration process.
2. Which insurance company offers the most affordable car insurance in Australia?
According to Finder research, Bingle offers the cheapest comprehensive car insurance policy. While the average comprehensive policy in Australia costs $1,363, Bingle's average policy costs only $862. This makes Bingle a great option for those who want comprehensive coverage without extra features.
3. Do new cars include comprehensive insurance?
When you buy a new or used car using finance, the finance company might offer insurance through their provider. This insurance is usually comprehensive but may not be the most cost-effective choice.
4. Why is it important to report incidents to your insurance provider promptly and document the details?
Prompt reporting and documentation are crucial in the event of an incident. For example, if you accidentally scratch another car in a parking lot, reporting this to your insurance company immediately can help you navigate the next steps and determine if you need to make a claim. Some insurers offer 24/7 helplines or online portals for quick reporting. Documenting the details, such as the time, location, and any other relevant information, ensures accuracy and helps speed up the claims process.
