Preparing to file an insurance claim.
Filing and submitting a claim to your insurance provider can be a quick, simple and easy process. Here are a few pointers to help you along the way if you have an accident.
1-You should understand your policy beforehand. Your insurance policy is a contract between you and your provider outlining which damages are covered, which damages are not, and the deductibles required for the provider to meet those obligations. Asking the right questions about your policy before you need to make a claim is important.
2-When it's time to make the claim, call your agent first. Getting your agent involved should be your primary goal at this point. Your agent is basically your customer service representative for your provider, and can usually help speed up the entire process. Furthermore, some insurance companies set time limits for filing a claim.
3-Documentation is key. In order to keep things as simple as possible, you must have the proper paperwork. If you have been involved in a collision, it is critical to have a copy of the police report. If you must make immediate repairs to your vehicle, document that paperwork as well. Photographs and/or videos of your vehicle can also be beneficial if you've made costly modifications.
4-Get a second opinion. It can never hurt to have a second opinion on the vehicle's repair. In some cases, an insurance adjuster can immediately approve your claim if you have an estimate from a reputable source.
5-Playing the waiting game, but not for too long. After an adjuster looks over your claim, it's really as simple as waiting for a check. Each state has requirements regarding how quickly a claim must be responded to. If you feel that your insurance provider is moving a little too slowly, call your state insurance department first. Calling a lawyer to represent you can usually create the wrong environment for you and your company. Also, your agent and provider can only speak about the matter with your lawyer if you choose legal representation.
6-Don't file too many claims. Insurance companies avoid high risks. Filing multiple insurance claims can have very negative effects on your relationship with your provider. Some companies will even cancel your policy if you file too many claims in a certain period of time.
This article was written by Julian Floyd. For risk-free no-obligation insurance quotes, visit http://www.thebestonlineinsurance.com Or visit my blog at http://2jonline.blogspot.com |
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