Things You Must Remember When Filing an Insurance Claim
Do you need to make an insurance claim? If yes, then make sure you don’t make any mistakes during the process. Even a small error can stop you from getting the amount you actually deserve. Remembering a few things will prevent you from committing errors when filing your claim. Read on to know about them.
Be Quick to File the Claim
Never delay the process. If your insurance company owes you a payment, don’t hesitate to file the claim. Also, if the representative of your insurer asks for any documents or information, forward those to them as quickly as possible.
Keep Note of Every Single Communication
Once you file the claim and begin negotiation with your insurer, you will have to remember every single conversation. Ideally, you should jot down the date, time, subject of conversation, etc. in a notepad whenever you discuss something with the insurer. If you are communicating through emails, keeping track of the communication would be a little easier for you.
Don’t forget to take note of every inappropriate behavior of the insurer or the customer care executive. Such facts will make negotiations easier.
Provide Proof of Expenses/Damage
You should not wait for your insurer to tell you how much they owe you. You should act proactively and submit proofs of your expenses and/or damage along with other required documents. This will force the insurer to pay you what you deserve.
Be Accurate and Polite
You may be writing an email or speaking to a representative over the telephone, try to be as accurate as possible. Make sure you are not providing any wrong information. When writing emails, check the content carefully for spelling and grammatical mistakes and then click the send button.
Additionally, never behave badly with the insurer or the customer support executive. You should also be polite when writing to the company. Never write or say anything that may make you appear uncooperative.
Find a Lawyer
Your insurer will ask you to sign non-disclosure or confidentiality agreements. Before you sign those documents, contact a qualified insurance lawyer. Doing so is important as signing such agreements might stop you from getting the maximum benefits from your policy. Ideally, you should work with a reputable law firm in your area like Albrecht Law in Spokane.
Don’t Forget to Contact the Police
Suppose you are submitting your claims following a burglary in your home or after a workplace injury. In such cases, you must notify the police about the incident before filing your insurance claim. The same rule stands true even if you are filing a car insurance claim after an automobile accident involving your vehicle. Your police report will serve as proof of your misery and help you get the payment you deserve.
Do consider hiring a lawyer from a well-known law firm like Albrecht Law in Spokane. This will help you to question your insurer’s calculations if you are not happy with the amount, they have paid you. Having legal representation will also make paperwork easier for you.