How To File An Insurance Claim
Let's face it, no one likes to deal with insurance companies
. Whether it's when an insurance sales person tries to sell you a policy, when it's time to sign the contract, or when you're trying to get money after a claim. Still, when something does go wrong and they save you from having to pay a large amount of money for repairs, medicines, or a range of other benefits, then you're glad that they're there. But filling a claim isn't always easy, and that's the time when companies go back and try to find out if anything you've ever told them can be disproved, so they don't have to pay. Here's how to file an insurance claim.
First, it's important to remember to file your paperwork as soon as possible after the event happens. Whether it's a home insurance and your house burned down, or if you were in a car accident and need your car insurance to pay for damages, as soon as you can file your claim, you should take care of it. You want the events to be fresh in your mind, so that you won't make any mistake, and you want the insurance company to know you contacted them as soon as possible, because otherwise they may suspect you of trying to hide the facts. Even though they, on the other hand, may end up taking a long time to answer your queries, you should always do it in a quick way.
This brings us to the second crucial point, which is to tell the truth, all the truth, and nothing but the truth. Remember that while they don't do a lot of checking when you sign the policy, when it's time to claim, they have investigators who spend their days looking over claim forms, to spot any hint of trouble. Many people like to inflate their numbers when they request money from an insurance company, but they have become quite good at sniffing out these bogus claims. They also use computer systems that look for patterns that may indicate something isn't right. So when it comes time to fill out the paperwork, you need to be precise and truthful. A good idea is to have proof with you. Let's say you house burned down, if you have photos of your items from before, and then you take photos after the fire, it's pretty easy to see what you actually lost, and how much they are worth.
A lot of people are nervous when claiming insurance benefits, and there's a part of reality there. Large companies can be hard to deal with, especially when they start with the assumption that you're lying to them. But if you followed these steps and didn't hide anything, then you simply have to be honest and patient, and most of the times issues resolve themselves.
by: Casey Trillbar
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