Insurance 101
How Do I File A Claim?
While your individual policy
may have differences (refer to your policy documentation) there are some basic
steps to follow:
1. Call your insurance agent as
soon as possible, regardless of who is at fault. Find out whether you're covered
for the loss. Even if the accident appears minor, it is important that you let
your insurance company know about the incident to protect yourself.
2. Ask your agent or company
representative how to proceed and what forms or documents are needed to support
your claim. Your insurance company will require a "proof of claim" form and, if
there is one, a copy of the police report. Increasingly, companies allow you to
monitor the progress of your claim on their web site.
3. Supply all of the
information your insurer requests. It is in your best interest to be complete
and truthful. Fill out the claim form carefully. Keep good records. Get the
names and phone numbers of everyone you speak with and copies of any bills
related to the accident.
Before you ever have to file a
claim, be sure to ask your insurance agent or company representative the
following:
· Does my policy contain a time
limit for filing claims and submitting bills?
· Is there a time limit for
resolving claims disputes?
· If I need to submit
additional information, is there a time limit?
· When can I expect the
insurance company to contact me?
· Do I need to get repair
estimates for the damage to my car?
· Will my policy pay for a
rental car while my car is being repaired? If so, how much?
Each state has its own laws
governing the claims process. If you have any questions, call your agent,
company representative or your state insurance department. They will give you
all the information you need.
What are my rights when filing a claim?
As a policyholder, you have
certain legal rights that are guaranteed under the laws of your state. Your
policy is a legal contract between you and your insurer. It defines your rights
and obligations as well as the rights and obligations of the insurance company.
If you have any questions
regarding your rights under the policy, talk to your insurance agent or company
representative. You may also contact your state insurance department, state
attorney general's office, or your state's consumer affairs department.
