Are you having trouble finding insurance for your home or car? There are a number of potential reasons for this situation.<\/p>\n\n
Avec cet article, Assurances Multi-Risques<\/a> souhaite avant tout vous aider \u00e0 y voir plus clair et vous donner quelques conseils afin que vous puissiez r\u00e9gulariser votre situation! Alors, soyez sans crainte, car des solutions existent!<\/p>\n\n Have you had a string of bad luck over the last few years? A broken windshield, water damage in your basement, a car accident, and to top it all off, your son set your kitchen on fire when he got the munchies late at night? You were then forced to file several claims with your insurer, as it was obviously impossible for you to pay for all this damage yourself. <\/p>\n\n Once the storm has passed, you have decided to change your car, and your insurer informs you that they cannot insure you? First of all, please know that AMR sympathizes with you wholeheartedly, and also know that you are not alone in this uncomfortable, even frustrating situation. <\/p>\n\n What you need to understand is that your insurer made this decision about you because it has a duty of care<\/strong> toward its customers, meaning everyone who is insured with the company. This means that every insurer has a duty to manage the premiums paid to it each year wisely in order to control its expenses and, as a result, be fair<\/strong> to all its customers. <\/p>\n\n Therefore, if your insurer considers that your frequent claims are detrimental to its fairness, it will be forced to refuse to cover you. Nowadays, technology provides insurance companies with a wealth of reliable statistical data and advanced software that enables them to assess the risk factors associated with your file and the likelihood of having to pay out for another claim. <\/p>\n\n Note<\/strong>: The acceptable risk threshold varies from one insurer to another, depending on the size of the company and its value.<\/p>\n\n Claim frequency is one of the main reasons for insurance refusal. But there are several other reasons why it can be difficult to get insurance! Among the most common factors are: <\/p>\n\n If you recognize yourself in one or more of these examples, here are some tips that can help you stabilize your home, auto, or business insurance situation.<\/p>\n\n First, contact an independent insurance broker who works with many insurers, including several that operate in substandard markets, so that they can find you insurance as quickly as possible. You don’t want to make your situation worse by being uninsured! <\/p>\n\n Always tell the whole truth to the insurance agent or broker you are dealing with, because deliberately withholding certain information or lying will only hurt you more! Believe us, “there is no secret that time does not reveal!” (Racine) <\/p>\n\n Don’t wait until the last minute to start looking for insurance\u2014be prepared. Too many people take buying insurance for granted, yet it is often insurance that prevents some people from going bankrupt after a disaster! <\/p>\n\n Avoid reducing your coverage as much as possible, even if it affects your insurance premium. It’s a bit like not buying the “extra” lottery ticket and ending up losing out because you wanted to save a few pennies. That would be a shame! <\/p>\n\n Finally, choose a broker you trust and feel comfortable with. Personalized advisory services make all the difference! <\/p>\n","protected":false},"excerpt":{"rendered":"Are you having trouble finding insurance for your home or car? There could be several reasons for this! ","protected":false},"featured_media":8625,"template":"","cke_assurances_tax":[33],"cke_assurances_types":[65,66,67,68],"cke_post_display":[103,104,105,106,102],"class_list":["post-15968","cke_blogue","type-cke_blogue","status-publish","has-post-thumbnail","hentry","cke_assurances_tax-problemes-assurances-particuliers","cke_assurances_types-personal","cke_assurances_types-home","cke_assurances_types-vehicle","cke_assurances_types-other-services-individuals","cke_post_display-page-particulier","cke_post_display-page-habitation","cke_post_display-page-vehicules","cke_post_display-page-autres-particuliers","cke_post_display-produit"],"acf":[],"mb":[],"mfb_rest_fields":["title"],"_links":{"self":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue\/15968","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_blogue"}],"about":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/types\/cke_blogue"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media\/8625"}],"wp:attachment":[{"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/media?parent=15968"}],"wp:term":[{"taxonomy":"cke_assurances_tax","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_tax?post=15968"},{"taxonomy":"cke_assurances_types","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_assurances_types?post=15968"},{"taxonomy":"cke_post_display","embeddable":true,"href":"https:\/\/multi-risques.com\/en\/wp-json\/wp\/v2\/cke_post_display?post=15968"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Reasons that may explain a refusal of insurance<\/h2>\n\n
Other factors affecting your ability to obtain insurance<\/h2>\n\n
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