Filing an insurance claim can be one of the most nerve-wracking experiences. We have all heard horror stories of miserable claims adjusters screwing a customer over. Let this guide serve you as an informative look of what you need to know. My three years in the industry has taught me lots of important tricks for your benefit.
#1 Carry a pen and a piece of paper in you glove-box
We never exactly plan to have an accident. People normally start out very honest and upfront with you. Their stories do tend to change quickly. That is why I have a suggestion for everyone to have a pen and paper ready.. Always ask the person to sign a brief statement for you If they are insistent that it was their fault.
#2 You don’t have to call your insurance company right away
It used to blow my mind that people would actually call me to report their accident before calling the police. This is completely unnecessary. You are completely fine to wait until the next day to call your insurance company.
#3 Be ready to give excessive details
You just have to assume that the other person is probably going to lie when it is time to tell their story. That is why it is important to try and get every detail possible when you are explaining what happened to the police, and your claims adjuster. You want to think about speed, direction, passengers, wearing a seat belt or not, and many more things to paint a clear of picture as possible.
#4 No answer to, “Will my rates go up?”
The first question I used to get from people normally referred to possibility of a rate increase. It is such a gray area with insurance. You basically have to wait and see how the investigation plays out, and the adjuster examines what kind of coverage you have. There unfortunately is almost never a clear answer.
#5 Be nice to your claims rep
Claims reps have a terrible reputation of being the bad guy. They have the unenviable task of doing what is best for the company while still trying to maintain the customer’s trust in the organization. It is in the rep’s best interest to do everything in their power to help you.
Have you ever filed an insurance claim? How would you rate your overall experience?