Posts Tagged fraudulent insurance claims

Making The Right Insurance Claims After Your Wedding Day

Your relative decided to try table dancing and fell, breaking his arm. The caterer got lost and failed to deliver the food. A tornado ripped the roof off of your reception hall. All of these are instances where you’ll have insurance claims, if you have a wedding insurance policy in place. As you are well aware, wedding locations, photographers, and the like all typically carry some kind of policy. The following insurance claims advice can tell you who should cover the incident in question.

This is an insurance claim you may need to make before the day, and that is postponement or cancellation of the actual event. With hurricanes, tornadoes, earthquakes, and fires, you just never know if you’ll be affected. If so, your policy should have clauses in them that tell you what you will receive money back for and what you will not. Usually, many items won’t need to be claimed, like tuxedos, party favors, etc. because you can simply transfer them to the later date. Rescheduling and redepositing your bigger wedding aspects, like photo video, entertainment, and location will need to be claimed.

Some couples will make fraudulent insurance claims because the professional (they thought) turns out to be an amateur and their performance damages their wedding. Bad entertainment is a predominant one, along with poor photography skills. This is, of course, more of a contract issue with the company and not an insurance claims matter. If the pro fails to show, now you might get your funds back, along with the ability to sue them for more.

If you have liability insurance, personal injury insurance claims by your guests (or you, for that matter) will be covered. The thing is, most liability insurance claims might be already indemnified by your current wedding vendors, such as your wedding site and your photographer and so on. If a chandelier falls on a guest (God forbid!), the location is more responsible than you, so see what their coverage is like. You’re most likely going to be off the hook for any physical injury that may occur.

Things like wedding cancellation, damages to wedding items, and certain instances with vendors and/or the location; these accident insurance claims should be compensated. They are after all, accidents that were out of your control, just like with your car when you have to make auto accident insurance claims. Your first act before moving ahead with your own coverage, is find out how much and what kind of insurance your wedding vendors and banquet hall already have in place. What you might think are your insurance claims may not be at all!

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