What are the Various Steps to Claim an Insurance Policy?

Step 1:  File a police report

If your claim involves a car accident or any illegal activity, such as theft, arson or a traffic violation, contact the police immediately.

Step 2:  Document any damage

For car accident claims, take photos or videos of the scene before you move your car

Step 3:  Review your coverage

Before you file your claim, make sure that you understand your coverages, limits and deductibles.

Step 4:  Contact your insurance company

Many insurance companies allow you to file simple claims online. For larger claims, contact your agent directly

Step 5: Prepare for the insurance adjuster

It's the adjuster's job to determine how much your insurance company will pay out.

Step 6:  Review the settlement offer

you review the offer carefully because after you accept it, your claim will be closed

Step 7: Receive the claim payment and repair the damage

If your insurance claim involves property damage, you can move forward with hiring a professional to make repairs.

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