How to File Insurance Claim


Filing an insurance claim is a process you embark on in hopes to receive compensation from your insurance carrier when you are involved in an accident or something is damaged. Each state has laws that govern this process, so remember you can always contact your state insurance department if you have any questions or feel you are not being treated fairly. There are a few basic steps you should stick to when you file an insurance claim, irrespective of what type of insurance the claim is for.

1. Call the police right away.

The police report will be the best supplemental material you can have when you file your insurance claim. The faster you get the police involved, the sooner you will receive your payout.

2. Fill out the required forms.

Insurance companies will typically send you paperwork to fill out after you file insurance claims. With the development of technology, online claims filing and even mobile claims filing is accessible for you to quickly upload your information. Make sure you finish the paperwork quickly and accurately, which will assure you get your payout faster.

3. Get an insurance adjuster to assess your damages.

Insurance companies often send insurance adjusters to come and assess your damage regarding cars or homes. They usually work with approved third-parties to get the assessment. As such, its typically best practice to find out the nearest approved third-party and work with them to get the job done quickly.

4. Pay your deductible.

Finally, pay your deductible quickly. It will accelerate your filing process and get you your payout sooner.

If you want to know more information regarding insurance claims, please check When to File an Insurance Claim and When Not to? and What Do I Do If My Insurance Company Denied My Claim?

EINSURANCE.com is an insurance quote comparison website. We provide the latest insurance news and free insurance comparison quotes.

About Dale Williams

Dale Q. Williams, MBA, is a well-respected financial executive whose experience spans from insurance to investment banking. Dale has first hand underwriting experience through working for one of the largest U.S. based insurance carriers, and advisory experience from working for several bulge-bracket and middle-market investment banks. Dale also received his MBA from University of Chicago Booth School of Business, with concentrations in finance and accounting.