auto-insurance « WordPress.com Tag Feed 2009-10-14 09:37:27

Tips For Handling Insurance Claims:

1. Know Your Policy – This is incredibly important. Learn your policy so you know exactly what to expect out of your insurance provider.

2. File Your Claim ASAP! Call your claim hotline as soon as you can. This will only help to speed the process up, and some companies even require to report within a certain time frame.

3. Get and keep a copy of the police report - This will help you understand exactly what everyone else believes happened. Make sure you get ALL of the other parties information if someone else is involved.

4. Get an estimate or two. It’s important to get a second opinion on the repairs needed for your vehicle or your home. The adjuster may be able to approve your claim on the spot if you have a reliable estimate from a reputable source.

5. Make temporary repairs. If your home is damaged, you should make whatever temporary repairs are needed to protect your home and you from further damage or injury. These should always be covered by your policy. Just remember not to start any permanent repairs until you hear from an adjuster. If you make any temporary repairs, make copies of the bills for your records, just in case the adjuster loses them.

6.Document, document, document. This is important both before you need to make a claim and when you need to make one. You need to document any damage if there is any, save all copies of anything having to do with your policy. Make note of when you called your insurance company first, who you talked to, and what happened. Get receipts for all related expenses. Be prepared to prove what you did!

7. Don’t threaten with a Lawyer, But Get One – Insurance companies get a little skittish when you threaten to get a lawyer involved. Once you hire an attorney, the adjuster, the insurance company and your agent will only be able to communicate with the lawyer. If you really need help settling your claim, call us. We are great at taking over communications and getting to the bottom of things. Insurance companies get nervous when lawyers come into play, because they lose alot of their power in the situation. After you call us, the insurance companies are required to play it straight by the book.

We can help you if your claim is denied! Call us today or visit us at www.mydeniedclaim.com