Filing An Insurance Claim – Important Tips To Remeber

If you are filing claim on insurance policy, what can be the best way of going about it?

  • Firstly, vehicle owners need to know their policy – what’s excluded, know what’s covered, and what all deductibles are.
  • In case you are about to file a claim, do it at the earliest. Don’t let receipts or bills pile up. You can call agent of yours or claims hotline of the company; the policy may require you to make notifications within specific period of time.
  • Provide correct and complete information. Incomplete or incorrect information will simply lead to delay in claim processing.
  • Maintain copies of all correspondence. Pen down details about in-person contacts and telephone contacts including title, name, and date of person you spoke to with as well as what was told to you. Moreover, maintain record of your expenses and time.
  • Throw questions. In case there is disagreement regarding claim settlement, ask company for specific language in policy that is in question. Learn whether the disagreement is there because of you and insurance provider has interpreted policy differently. In case the disagreement results in claim denial, ensure you have obtained written letter that explains reason for denial as well as specific policy language within which your claim has been denied.
  • Don’t simply rush into settlement. In case first offer made by insurance provider is not meeting your expectations, you should be prepared for negotiating towards getting fair settlement. In case you are having some questions related to fairness of settlement, seek advice from a professional.
  • Homeowners and auto policies may require individuals to make few temporary repairs for car from further damage. The policy of yours must cover cost of all temporary repairs hence maintain all receipts. Further, maintain all damaged personal property especially for adjusters to inspect. Suppose it is possible, click some videos or photographs of damage prior to making temporary repairs.
  • Though temporary repair is a good idea, you shouldn’t go for permanent repairs. Insurance provider can deny claim in case you have made permanent repairs prior to damage gets inspected.
  • Possibly, you must determine what it would cost when you are repairing the property prior to meeting with claims adjusters. Give claim adjuster all records of improvements that you have made to the property. Question claims adjuster for itemized explanation of claim settlement offer.
  • In case of health and accident claims, you must ask physician to offer insurance provider with details regarding your prognosis, medical conditions, and treatment.
  • In case you suspect provider is overcharging, ask insurance provider to audit bills as well as verify whether provider has made use of proper billing procedure or not.
  • In case of dispute with insurer of yours regarding terms or amount of claim settlement, or in case you are having further questions related to policy or claim, contact this office at the number provided below for further assistance.