Insurance Claims 101: How to Successfully File and Win

Step 2: Document Everything

When an incident occurs, documentation is key. The more evidence you have, the stronger your claim will be. Here’s what to document:

• Photos and Videos: Capture the damage or injury from multiple angles. If it’s a car accident, take pictures of the scene, vehicles involved, and any visible injuries.
• Receipts and Bills: Keep records of any related expenses, such as medical bills, repair costs, and temporary lodging receipts if your home is damaged.
• Witness Statements: If there are witnesses, get their contact information and a brief statement about what they saw.
• Police Reports: For incidents like theft, accidents, or vandalism, file a police report and obtain a copy.

Step 3: Notify Your Insurance Company Promptly

Time is of the essence when it comes to filing a claim. Contact your insurance provider as soon as possible after the incident. Most insurance companies have a specific timeframe within which you must report a claim. Delaying could result in a denial. When you call:

• Provide Accurate Information: Describe the incident clearly and accurately. Stick to the facts and avoid speculation.
• Follow Instructions: Your insurer will guide you on the next steps, such as submitting forms or additional documentation. Follow these instructions closely.