How to File an Insurance Claim: A Step-by-Step Guide for Any Policy Type
Filing an insurance claim can be confusing and overwhelming, especially the first time. You’re already dealing with some kind of loss or difficult circumstances, like an accident, property damage, theft, injury, or even the loss of a loved one.
The good news is that the general process for filing a claim is virtually identical for all types of insurance, whether the claim is related to an auto accident, storm damage, or crime. This step-by-step guide can make the process less stressful and increase the likelihood of a fair settlement.
Step 1: Document Everything Immediately
Take photos and videos, ideally before the scene is changed or cleaned. This will help the insurance company evaluate your claim as fairly and comprehensively as possible.
Photos and videos should capture:
- The bigger picture of the scene of the event
- Specific items and areas that have been damaged
- Possible evidence of the cause of damage
- Weather and lighting
Gather information in writing, including:
- The dates and time of the incident
- Details and timeline of the incident, including weather if relevant
- Contact information for individuals involved, including witnesses
- Official reports from law enforcement and hospitals
- A list of all damages, the extent of the damage, and the age and original cost of each item
- License plates and serial numbers
Step 2: Review Your Insurance Policy
Take note of what’s covered and what’s not, coverage limits, deductibles, exceptions, restrictions, etc. Pay close attention to filing deadlines to make sure your claim is submitted on time. In addition to satisfying insurance provider requirements, this will set realistic expectations for your settlement.
Step 3: Contact Your Insurance Company
Once you’ve documented information and evidence and reviewed your policy, get in touch with your insurance company. Have your policy and incident information handy, and don’t hesitate to ask questions.
Step 4: Obtain Estimates for Repairs/Replacement
First, find out if your insurance company requires you to work with an approved provider, and don’t sign a contract unless you fully understand and are comfortable with the terms. Take photos of all repairs to ensure the work was done properly.
Step 5: Review Your Settlement Before Accepting Payment
When payment is received, you typically sign a release of liability, which prevents you from reopening the claim and pursuing more money with few exceptions. Make sure you understand what’s covered and excluded, the deductible, and payment amounts. Clarify this information if necessary before accepting payment.
Throughout the insurance claim process, track and document everything. Record the date and time of every phone call, text, and email with the insurance company, claims adjuster, law enforcement, doctors, etc. Note the details and purpose of every interaction, and save copies of all estimates, invoices, and receipts.
If you’d like to review the coverage and details for your insurance policies, schedule an appointment with Stanton Insurance Group today!
