Insurance Claims

This page is designed to answer your questions about insurance claims, everything from what they are to how you file them. Here are some tips to help you get started with the claims process:

What are insurance claims? 
An insurance claim is a form you fill out with your insurance company that describes an event that you feel entitles you to monetary compensation. For example, if you were in a car accident, you would file a claim that described the accident in order to get money from your insurance agency to cover the cost of repairing or replacing your car.

When should I file an insurance claim? 
Insurance claims are usually filed after an accident, or some sort of incident that you think your insurance should cover. This could be damage to your home or car, health problems, stolen goods, or any number of problems. There are health insurance claims, auto insurance claims, property insurance claims, and homeowners’ insurance claims, to name a few. 

Where do I get a claims form?
  These days, most insurance companies have claims forms online that you can download and fill out. Check your agency’s website to see if they offer this. If not, you can have your insurance agent send you a claims form.

How do I fill out an insurance claim? 
The most important thing to remember when filling out an insurance claim is to be specific. The more details of the incident you can record, the better. Since you usually won’t have an insurance claims form with you at the time of an accident, make sure you take notes and get all the necessary information. In the case of a car accident, get all the contact information of the other people involved, including their insurance information. This will make it easier to fill out a claims form later.

What is my claim is denied?
  Insurance agencies don’t accept every claim that is filed. If you file a legitimate claim and are denied, you have the option of taking legal action. However, it can be costly to get a lawyer involved, so decide if it is worth it to you. 

Hopefully, these tips will help you as you fill out insurance claims. While all claims are not accepted, don’t hesitate to fill out a claim if you think you have a situation that your insurance should pay for.