How To Take The Dread Out Of Your Insurance Claim
Getting into an accident is horrible. On top of that, you've got to deal with the insurance company. Most people don't like dealing with them even when times are good. But when you've got to make a claim, and you aren't sure what to do, this can be really horrendous. Especially if you are being asked for paperwork and documents that you didn't even know existed. Luckily, you are about to learn some simple steps that will keep you from tearing all your hair out.
Before you file any kind of claim, you need to know what you are covered for. This will take some research on your part, when you'd rather be doing something else, like watching TV, but it will save you a lot of grief. Most people have no clue what's in their policy, so when they file a claim, they just cross their fingers and hope they get enough cash back to pay for the damages. This usually doesn't end well.
Since you are going to need a lot of documents, it's important to know exactly what they are, and where they are kept. You'd be surprised. Check with your agent and ask them the proper steps and what you'll need. They should give you a list of all the paperwork you'll need to file a claim without issue. Make sure you understand what everything is. You don't want to be caught with your pants down.
When you file your claim, you'll need to provide as much proof as possible. Think as if you are going before Judge Judy. Unless you have plenty of objective evidence, nobody's going to believe you. So anything you can get that supports your case is good. Photos, videos, police reports, eye witness testimony, and anything else you can think of. Be sure to get the contact information of anybody who's giving you a corroboration of events. The insurance people will want to get in touch with them.
Even with all of this, there's still a chance the people at the insurance office will have questions. Whenever you speak with them, be very clear. Make sure you understand what they are asking. Make sure they understand what you are asking. Keep records of all your conversations. Write down the time and date you called, and whom you spoke with. You might need to refer to this later.
Always keep in mind that insurance companies are a business. They need to make a profit. If they blindly paid out claims whenever anybody filed them, they'd go out of business quickly. While they need to pay legitimate claims in order to keep their customers, they need to make sure they are indeed legitimate. So don't take it personally. It's not that they don't trust you. They are just protecting their bottom line. You should do the same.
Before you file any kind of claim, you need to know what you are covered for. This will take some research on your part, when you'd rather be doing something else, like watching TV, but it will save you a lot of grief. Most people have no clue what's in their policy, so when they file a claim, they just cross their fingers and hope they get enough cash back to pay for the damages. This usually doesn't end well.
Since you are going to need a lot of documents, it's important to know exactly what they are, and where they are kept. You'd be surprised. Check with your agent and ask them the proper steps and what you'll need. They should give you a list of all the paperwork you'll need to file a claim without issue. Make sure you understand what everything is. You don't want to be caught with your pants down.
When you file your claim, you'll need to provide as much proof as possible. Think as if you are going before Judge Judy. Unless you have plenty of objective evidence, nobody's going to believe you. So anything you can get that supports your case is good. Photos, videos, police reports, eye witness testimony, and anything else you can think of. Be sure to get the contact information of anybody who's giving you a corroboration of events. The insurance people will want to get in touch with them.
Even with all of this, there's still a chance the people at the insurance office will have questions. Whenever you speak with them, be very clear. Make sure you understand what they are asking. Make sure they understand what you are asking. Keep records of all your conversations. Write down the time and date you called, and whom you spoke with. You might need to refer to this later.
Always keep in mind that insurance companies are a business. They need to make a profit. If they blindly paid out claims whenever anybody filed them, they'd go out of business quickly. While they need to pay legitimate claims in order to keep their customers, they need to make sure they are indeed legitimate. So don't take it personally. It's not that they don't trust you. They are just protecting their bottom line. You should do the same.
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