| Insurance is an important and necessary life | | | | department that needs to make a report such as the |
| investment. Insurance protects you against any | | | | police. Your insurance provider will need proof of |
| unfortunate events that result in damage or loss. | | | | what happened that caused you to file a claim. If you |
| Making an insurance claim does not always mean that | | | | are in an accident, make sure you do not admit that |
| you will receive compensation for everything you | | | | you are at fault. |
| claim. It is important to know what you are doing | | | | Gather Important information: Depending on the |
| when you file a claim in order to receive | | | | particular insurance claim you are filing, it is important |
| compensation. Although insurance companies may | | | | to collect all relevant information. This can include: |
| have different requirements for filing claims, especially | | | | receipts, photographs or video of the scene of the |
| for different types of insurance policies, below is a | | | | event, an itemized list of what was lost, stolen, or |
| list of general tips to filing a claim that will help with | | | | destroyed, a list of witnesses, the names and badge |
| obtaining successful compensation. | | | | numbers of police and emergency personnel, any |
| Determine Whether You have a Valid Insurance | | | | expenses you sustained as a result of the event. |
| Claim: It is important to read over your insurance | | | | ...etc. You should write down any details as soon as |
| policy to see what your coverage entails. Make sure | | | | possible after the event. Make sure your details are |
| you look at the 'exclusion' section. You should also | | | | accurate and thorough. As well, make sure you get a |
| find out all of the requirements that you have to | | | | copy of all police and medical reports. |
| meet to be considered for compensation. Find out | | | | Obtain Multiple Estimates: If you are filing a claim for |
| the amount of the deductible you have to pay. It is | | | | damage, make sure you get three quotes of the |
| important to be aware that sometimes it will cost | | | | estimate of the cost of repair. As well, check to see |
| you less to make a repair or replacement than if you | | | | if the insurance provider has a list of accepted repair |
| file a claim. If you have made several claims in the | | | | companies. |
| last few years, your insurance premiums could go up. | | | | File the Insurance Claim: Once you have collected all |
| Contact your Insurance Provider: Contact your | | | | of the important documents, submit your claim. Most |
| insurance provider shortly after the event happens. | | | | policies have a deadline when submitting a claim so |
| Provide your name, address, policy number, and the | | | | check your policy to find out your insurance |
| date and time of the event. You should also write a | | | | provider's deadline. |
| letter to them detailing what happened. Keep a copy | | | | An incident that causes a person to file an insurance |
| of the letter. It is important that you do not delay | | | | claim can be very stressful. Knowing what to do prior |
| filing your insurance claim. Most insurance providers | | | | to an event, will make the claims process much |
| have a toll free claim number. | | | | easier and faster. |
| Notify Appropriate Organizations: Contact any | | | | |