Insurance company’s main purpose of purchasing insurance policy is that to save ourselves from any loss in the future. Whenever you meet any kind of situation covered under insurance, you may be necessary to make an insurance claim. But many people think it difficult to know the process of making a claim.
In this article, we will know about its easy step-by-step guide on how to make an insurance claim.
1. Understand the claim terms
After purchasing the insurance policy, the most major step is that to understand their terms and condition carefully. Find out that what is covered or what is not covered under each insurance policy. It will help you understand in that situation you can make a claim and what kind of documents needs. If you do not get anything then try to connect with insurance agent and insurance companies.
2. Report the incident immediately
Whenever any incident happens which is under cover in your insurance policy, such as an accident, stealing or disaster, then inform to your insurance companies immediately. All insurance companies have a time limit in their policies, in that you must report the incident. You can use company’s helpline, email, or mobile app to give information.
3. Gather the necessary documents
You will be needing some documents to make a claim, such as Police verification, medical reports, bills, photo, and other proof related to the incident. The collect and organized these all documents in proper way. Make sure that all documents filled correctly and completely, so that there is not any issue in the claim process.
4. Fill the claim form
You must fill the claim form which you received from insurance company. Fill all the information asked in the form correctly. Any mistake or incomplete information may result in your claim being rejected, so fill it carefully.
5. Submit the claim
After completing the form filling process. You must submit the claim to insurance company along with necessary documents. Some insurance companies also offer the option of a mobile app or website to submit claims, making the process even easier.
6. Track claim status
After confirming a claim, the insurance company check your things which you have submitted and check their validity. so be patience because process may take some time. You can your application status from the company’s website, mobile app, or customer care.
7. Claim settlement
After inspection and confirmation, if your claim found to be correct, the insurance, you will not need to pay instead of this insurance company will pay the insurance amount. The payment may be created to your bank account or can also be made through a cheque. The insurance company will explain to you if your claim is rejected. In this kind of situation, if you think that your claim is correct, you can request for reassessment.
Start planning today with www.infinitisurance.com– Your insurance consulting agency in Connecticut, which has more than 30 years’ experience in insurance and financial products.
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