When you are in a car accident, your home floods, or you or someone has been injured, you will need to submit a claim to your insurance company when you need help covering the cost of repairs or medical care. When you need to contact your insurance company, you may wonder what the process is when submitting your claim. InsureWise will share how easy it is to file or submit a claim and what steps you will need to take.
Collect & Itemizing Your Receipts & Invoices
When you need to file a claim with your insurance company, you will want to have all of the bills, receipts, and or invoices ready. If you have received medical care or repair services, before contacting your insurance to get reimbursed, you will need to provide the insurance company with all of the information regarding the money you spent. Along with bills, invoices, quotes or receipts, you want to take pictures of the damages or injuries, and collect reports and other paperwork regarding the claim. With all of documents ready you can now move on to the next step.
Fill Out The Insurance Claim Form
Depending on the nature of your claim, you will need to fill out the proper insurance claim form. Each insurance company will vary on how they process your claim. Sometimes they will provide an online form for you to fill out. You may need to print out and mail in your insurance claim form, or you might contact them directly by phone. When filling out your insurance claim form, you will need to be ready to provide the following:
• Personal Information – Full Name, Date of Birth, and Address
• Insurance Information – Policy and Group Number
• Information of Condition – Purpose of Filing the Claim and Current Status
• Documentation – Provide all Documentation, Pictures and Information Related to the Claim
• Out of Pocket Expenses – Receipts and Invoices of Money Paid for Reimbursement.
Make Copies Of All Documents
Once you have filed your claim and to prevent any hick-ups you will want to make a copy of your filed claim and all of the information, documents, pictures and other data you provided to the insurance company. You will want to have a master copy in case something gets lost, forgotten or mixed up.
Do A Final Review and Send
With all of the documentation, your claim form completed, and you have made a copy of everything, do a final review. Make sure you didn’t leave out a receipt or anything that is needed for the claim. After you did a thorough and final review, you can now submit your claim to your insurance company. Depending on your insurance company, they may request that you mail in your claim, fax it, or email.
Wait To Hear Back from Insurance Company
Once you have finalized and filed your claim, the insurance company will need to go over all of your paperwork and compare it with your policy. This can take a few days so you will need to wait to hear back. If it has been over a week, you can always call your insurance agent and follow up on the status of your claim. Depending on the nature of your claim, it can take a long time to go over all of the information. Remember to be patient and wait to hear from your agent. If there are any problems or questions, your policy agent will contact you.