Filing an insurance claim can feel overwhelming and confusing. Dealing with insurance adjusters, complex policies, and paperwork can be too much to handle. Understanding the process will help you make the right moves to experience a smoother process and more favorable outcome.
Understand Your Entitlements
Insurance policies are filled with many complex and difficult to understand terms. You must take time to review your policy. If you need help navigating your insurance claim, start with understanding your entitlements.
- Deductibles: This is the amount you must pay out-of-pocket before your insurance covers the rest.
- Coverage Limits: This is the maximum amount your insurance policy will pay for damages and losses.
- Exclusions: These are situations or damages not covered by your insurance policy.
If anything in your policy is unclear, ask for clarification. Make sure everything is in writing. Ask an independent expert to explain your policy before filing a claim with your insurance company.
Act Quickly and Follow Procedures
Many insurance companies require you to file a prompt claim when a loss or damage occurs. Waiting too long to file could result in denials or problems proceeding. These are the steps you should take as soon as an accident occurs:
- Contact your insurance company to report the accident.
- Follow all instructions for submitting any documents.
- Keep track of any communication and claim numbers.
Ensure you file a claim within the allowable period. Know how long you have to submit a claim before starting, to stay within all timelines.
Gather and Organize Evidence
Proving your claim means having plenty of evidence to show the insurance company. Whether you have storm damage, car damage, or injuries, you must be able to prove your damages. Take the following steps:
- Take clear photos of any injuries or damages.
- Keep any receipts for repairs or medical payments.
- Obtain official reports, like a police report.
- Draw up a highly detailed account of the incident as soon as possible.
Communicate with the Adjuster
An insurance adjuster will review your claim and determine how much you should receive. It is important to remember that the insurance adjuster is working on behalf of their company. They will work to pay out as little as possible. Keep these communication tips in mind when dealing with an insurance adjuster.
- Stick to the facts and be honest and concise in your answers.
- Stay professional, and keep your emotions out of the conversation.
- Make sure you get everything in writing. Ask for written confirmations of any promises offered by the adjuster.
Never Accept the First Settlement Offer
Insurance companies will attempt to lowball your offer, especially in the beginning. They expect you to accept their offer without question. Consider these negotiation tips if the settlement is too low to cover your expenses.
- Present your own repair estimates, medical bills, and other proof.
- Stay polite while explaining why the offer is too low.
- Be prepared to negotiate.
If the negotiations suddenly stall, you can consider talking to a claim manager or getting outside help. Many people hire an insurance advocate to work on their behalf. These professionals can help you navigate the claims process and avoid the pitfalls. Although they cannot guarantee any outcome, they will help you understand your rights and entitlements as an injured party. Getting professional guidance can help you negotiate better with your insurance company.
