5 Tips When Filing an Insurance Claim


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As you file an insurance claim in, it sometimes can get stressful, especially if you run into problems or you believe it isn’t being handled correctly. Some even report complaints about the insurance claims process.

According to the National Association of Insurance Commissioners (NAIC), in 2012 a large number of complaints were filed because of the way a claim was handled. In fact, 21.73 percent of these reports pertained to delays and 15.29 percent to denials in the process.

However, other common complaints during the insurance claim process deal with underwriting, such as cancellations, along with policyholder service, such as questions regarding coverage. The following are some ways that could reduce the chance of experiencing a delay or denial when filing a claim.

Tips for Filing an Insurance Claim

First, make sure you have all of the necessary information and paperwork filled out correctly. When the insurance company has to request additional documentation or have you correct paperwork, it causes delays.

Also, make sure you understand your coverage before you file a claim. This way, you know what is covered ahead of time and the damages you may be able to recover.

The third tip is keep track of all communication with the insurance company . Write down who you talked to, when the conversation took place and what was discussed.

Also know how to deal with the insurance company. Don’t admit fault, share too much information, agree to a settlement too quickly or sign anything that you don’t understand.

The final tip is to protect your claim and your rights by consulting an accident attorney who can assist with the process. A lawyer can provide assistance if you run into problems with the insurance claims process, such as an unjust delay in the decision. 

A victim may receive a settlement offer letter from the other party’s insurance company shortly after an accident. In order to get money and quickly move on, many people accept the offer, but regret it later. Insurance companies may offer lowball offers in hopes to avoid lengthy and costly legal battles that can drain their pocketbooks. Contact a personal injury claim lawyer at Wolf & Pravato in West Palm Beach to go over any offer. 

Don’t Agree to a Settlement Too Quickly

One reason you should hold off on accepting the initial offer is that the insurance companies are basing their offer on your current injuries. In the event of a car accident , injuries may not manifest until weeks or months later. Those headaches can turn out to be the result of a concussion that requires further treatment, for example. Until all appropriate medical tests have been performed, any offers should generally not be accepted.

Once a settlement offer letter is accepted, it cannot be modified or cancelled. If you accept an initial settlement and then discover the presence of an injury requiring further medical treatment, you won’t be able to go back and file a new claim to recover compensation for the new medical treatment .

Contacting a Personal Injury Claim Lawyer in South Florida

If you were injured because of someone else’s negligence, don’t feel pressured to settle quickly. Your settlement should provide you with fair compensation for the damages you incur as a result of the accident, some of which may not be evidence immediately after the incident. Contact a personal injury claim lawyer in West Palm Beach at Wolf & Pravato. Call us at (954) 522-5800 to discuss a settlement offer letter.

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