Introduction:
The process of filing an insurance claim can seem daunting, but with knowledge of what to do (and what not to do) during the process, it can be relatively simple. The purpose of this essay is to provide a comprehensive, step-by-step process for filing an insurance claim. If one follows the process detailed in this essay, and does other things – important things - such as what documentation to gather and how to communicate with your insurance company, one can be assured that one’s insurance claim has the best chances of success and one’s best chance of full compensation for the loss.
The road to a successful insurance claim is a path forged by a specific, step-by-step process; that process includes the documentation and details about the incident, gathering supporting evidence and detail, submitting that documents and detail with precision, and consistently and openly communicating with your insurer company.
Documenting the Incident
A successful claim starts with a good, medical report, or invoices, repair estimates, etc. But in order for the paper pieces to be useful in attaining full compensation, documentation and detail is everything. That means photographs, video, witnesses, copies of police reports if there are any, etc. A visual record of a piece of property versus the color, make, and model of the property can be absolutely airy and persuasive.
Gathering Supportive Evidence
Filing an insurance claim that will deliver an acceptable sum of compensation requires evidence beyond a sheet of paper; just as a legal case often hinges more on unseen evidence that what is presented in a courtroom, the same is true with an insurance claim – the more and more diverse the evidence, including repair estimates, medical reports, bills, lead sheets, etc. therein.
Submitting Documents in Precise Detail
When filing an insurance claim, second only to the importance of collecting a multitude of evidence is being attentive to corresponding details matter. Especially when filling out forms – particularly the claims report, which is the most important of all – if one is not detailed, then one is doing oneself and the claim a disservice.
Communication
You should aim to be helpful and acceptable – perhaps even earning the respect of those with whom you come into contact, especially your insurance claim adjuster. That involves replying to the adjuster’s letters and telephone calls – no exception. Taking the above thoughts into account, and by adhering to faithfully to the insurance claim process, one vastly increase’s one’s chance of the least spurious possible outcome for one’s insurance claim to be determined, and one’s best chance at being fully compensator for one’s loss.
