You need to make sure that you get fair compensation from the insurer. And the first step is filing the insurance claim as quickly and accurately as possible.
Your insurance claim is like a journey that already has all the necessary steps mapped out for you. All you need to do is follow the appropriate steps to ensure that you get justice. Trying any shortcuts along the way may impact your compensation for rehabilitation costs, medical expenses, pain, lost income, etc.
Why Submit an Insurance Claim
When you submit an insurance claim, you’re formally asking your insurance provider for compensation to assist you in covering the costs of repairs and damage. These result from a policy occurrence (such as a home burglary or car accident) that is insured by your (or the other party’s) policy.
The process involves identifying and assessing your losses and injuries as well as evaluating their impact on your life and livelihood. Ensure the facts surrounding your accident or event are presented in detail to be correctly assessed by the insurers.
Moreover, insurance claims are dependent on the type of mishap that is being reported. Nevertheless, the basic principles of claim assessment and adjustment are relevant to virtually all other categories of insurance claims.
Read on to learn how to make a claim for your particular circumstance.
How to File a Personal Injury Insurance Claim
Personal injury insurance claims are usually filed after vehicle accidents. But an injured person may also file a claim in cases of a slip and fall, dog bites, pedestrian accidents, or pet attacks – claiming on their own or the negligent person’s insurance policy.
Suppose you were recently involved in a severe auto crash, and your vehicle’s front end has been crushed like an accordion. What do you do?
1. Call 911 If Necessary
Try to make sure you call the police immediately when a felony or an accident occurs. Dial 911 and get aid as soon as possible. It also wouldn’t hurt to possess a police record, even though you don’t need one to file an insurance claim.
A police statement will give a detailed account of what occurred at a crime scene or an accident. It will contain details that will enable the filing of an insurance claim considerably easier.
2. Document and Exchange Valuable Information
The next step is to gather all the crucial details from all the relevant parties and document them on the crime scene. Consider it like a treasure hunt.
Make sure to get the following data:
- Name, contact information, and, if available, a picture of your driver’s license.
- Number of insurance policies.
- A list all affected automobiles with their year, model, license plate, and make.
- Photos documenting the incident from different directions.
- Make written notes throughout your chats and interactions with the accident participants.
- You should also keep any doctor’s reports, medical fees, and other documents you obtain for the repair and treatment of the accident.
How to File a Homeowners Insurance Claim?
Prepare a list of stolen or damaged items during a burglary, or take pictures of the destruction. Also, save your hotel bills as evidence of expenses if you are forced to stay there throughout the repair process.
1. Contact Your Insurer
Contact a representative of your affiliated insurance company as soon as you and everyone affected by the mishap are secure to find out what additional steps you must take to submit a claim. Your agent can point you in the right direction by providing you with a detailed procedure for filing a claim.
Following are some fundamental inquiries you should address to your insurance provider:
1. Who should I Report to?
If the car accident has occurred due to another driver’s incompetence, you will most likely have to file your claim with their respective insurance company.
However, you’ll submit a claim to your insurance company in most other situations. You should call your insurance provider to inform them of the problem and seek assistance.
2. When Should I File An Insurance Claim?
Your window of time to register an insurance claim may be as short as four weeks or as extensive as three years, based on your insurer and the nature of your coverage. In either case, you should strive to submit your claim right after you have obtained essential data and evidence regarding the damage.
3. What Do I Need to Submit an Insurance Claim?
You will be obligated to provide primary and personal information while filing a claim, including the location and date of the incident or accident, the names and contact details of everyone present, and an explanation of what transpired. Getting an estimate of the damage that’s been caused is also something required in specific cases.
When filing a homeowner’s insurance claim, you must complete a Confirmation of Loss Report. Include any objects that were destroyed or stolen, as well as their replacement cost.
2. File an Insurance Claim
Okay, you’ve made the appropriate phone calls. You’ve gotten every bit of data you possibly could. It’s finally time to submit your claim.
Most insurance providers offer you the option of submitting a claim through digital means – website, mobile application, and e-mail – or you can contact a representative.
Do You Have Insurance to Protect You From Unforeseen Events?
Having a safe and secure insurance policy in place can at least protect you from the financial aspect of it. Our insurance experts at JMG Insurance will provide you with a comprehensive list of guidelines to choose the one that suits you best. Get in touch with us now to be prepared for whatever comes your way.