Tips to Make the Insurance Claims Process Easier
Before you have a claim:
Know your policy. Take time to read your policy and ask questions of your insurance representative.
Inventory your personal property. Make an inventory of your personal belongings today!
Get an insurance check-up. Are you comfortable with the type and amount of coverage you have?
Know your healthcare appeal rights. Arizona law affords broad rights to appeal denied health insurance claims or services and nearly 50% of those initial denials are overturned.
Keep in touch. Keep your insurer or agent apprised of significant events that can affect your insurance, such as change of address, new car, home improvements, or advising your health insurer if you’re admitted to the hospital.
During the claim process:
File your claim as soon as you can.
Provide complete, correct, prompt information.
Take notes and keep all correspondence. Whether from your insurer or agent, keep copies of all notices, statements, and correspondence; take notes on all telephone conversations or in-person meetings, including dates, names, titles and a summary of conversation details, especially on health insurance issues.
Keep records of your time and expenses.
Mitigate damages. Make temporary or emergency repairs (keep all receipts!); an insurance company may deny a claim if you make permanent repairs before they have the opportunity to inspect the damage. Keep damaged personal property for adjuster inspection, and, if possible, take photographs or video of the damage before making temporary repairs.
If possible, obtain independent repair estimates before you meet with the claims adjuster.
Ask questions about your claim. If there is a disagreement about the claim settlement, ask the company for the specific policy language in question and insist on a written explanation of the reason for any claim denials and the specific policy terms the company is relying upon in denying the claim.
Don’t rush into a settlement. If the insurance company’s first settlement offer does not meet your expectations, negotiate and ask for itemized explanations. Research the value of a comparable vehicle or the replacement cost of your belongings and use this information to support your counter offer.