How to File an Insurance Claim: A Step-by-Step Guide

When filing an insurance claim, it's important to provide the right information in order to get a fair settlement. Start by including a subject line in your letter that indicates the reference number of your policy. In the body of the letter, state the purpose of your claim and list any injuries, property damage, or loss you have suffered. When you call to start a claim, provide your full name, address, and phone number, as well as information about your job and where you work.

When discussing the accident, don't speculate or accept blame. Provide as much information as possible to speed up the process. If you have serious injuries caused by another driver, consider contacting an attorney who can represent you when filing a personal injury lawsuit. Some states are no-fault states and require all drivers to have personal injury protection, eliminating the need to file a claim with another driver's insurance company.

When talking to the insurance adjuster, don't express your anger and don't share too much information. Personal injury lawyers provide free initial consultations and will represent you on a contingency basis. Your insurance company will only pay for your injuries if you have coverage for medical payments or protection against personal injury. Soft tissue injuries are a cause for concern even in a bumper hit, and injuries increase the chances of an insurance claim.

Submit injury claims to your insurance company under personal injury protection (PIP) or to MedPay insurance if you have either type of coverage. If you are going to file a personal injury claim with the other driver's insurance company, it's best to contact an attorney before this step.

Darrell Trimboli
Darrell Trimboli

Wannabe tv buff. Certified web scholar. Subtly charming tv maven. Avid tv guru. Hardcore beer specialist. Infuriatingly humble student.

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