Three Practical Claims Tips
When filing a claim through insurance, people typically want to know whether something is covered.
However, this isn’t the only thing to be concerned about. You’ll want to make sure your claim is not only covered, but that the full cost of damages or loss is taken care of.
Getting in an accident, or having to go through the insurance claims process is something no one looks forward to. Your hope is that because you pay for insurance, then everything should work out in your favor. Unfortunately that isn’t always the case.
Here are three best practices you should know before filing an insurance claim.
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1. Schedule your items.
Scheduling refers to listing specific items on your insurance policy. Perhaps you have precious jewelry, a firearm, an important collection, or even valuable electronics. If you do, you’ll want to schedule these items. If something were to happen to these articles, if they are scheduled, they will not only be covered but replaced at full value.
A good rule of thumb is that anything more valuable than $10,000 should be appraised. To receive full value of replacement, a sales receipt or appraisal slip must be documented.
2. In an auto accident: Never admit fault at the scene.
Maybe the accident is your fault, and chances are, you feel bad. However, our advice is to never admit fault at the scene. You are not an insurance adjuster, nor is it your responsibility to admit fault. Simply trade information with the other party or parties involved and allow the insurance adjusters to work it out. When given a number, test call it at the scene to make sure it’s a legitimate, working phone contact. Also, take plenty of photos. You’ll want proof of all damages done at the time of the incident. If it is your fault, you will be able to take responsibilities through the insurance claims process.
3. Property insurance: Provide proof of ownership.
If you have a valuable piece of property, make sure it’s documented that you are the owner. Taking photos or videos of and with the object will help support your claim. Make sure this documentation is given to your insurance agency, who will keep this proof on file should any claims concerning this property arise.
If you have any questions about listing your items, modifying your policy, or notifying your agent of valuables, feel free to access our new i80 Express. Here, you can manage your policy through a few quick and easy steps.
As always, we’d love to assist you with any of your insurance needs. Chat with one of our live agents today, or give me a call to find out how we can help!
Call Nick direct at: 707-402-8826.
Or shoot him an email at Nick@i80insurance.com.
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