Posted on: 17 July 2017

Many policyholders believe that an insurance provider will simply pay an insurance claim and that all of the damages that result from the accident will be paid for. However, this is no guarantee, especially if you do not follow the proper procedures that are necessary to maximize the chances that your insurance claim will be paid quickly. 

Knowing Where To File A Claim

Before you file a claim, it is important to determine whether you should file the claim under you own auto insurance policy or if the claim should be filed under another motorist's auto insurance policy. If it is clearly the fault of one motorist over another, the claim should be filed under that motorist's insurance policy. However, if the fault is unclear, file the claim under both insurance policies and you will eventually receive coverage under one of both. Finally, if the other motorist was responsible for the accident and he or she was not insured, you will be covered under an uninsured or underinsured insurance policy. 

Don't Delay

After the accident, you will want to contact your insurance provider right away. This helps to pin the exact time of the accident down. The longer you wait to file a claim, the longer it may take for the insurance provider to pay for any damages. Also, there may be a time limit within which you must file a claim. If you do not meet this time limit, your claim is more likely to be denied. 

Submit The Right Paperwork

Make sure to have the right paperwork submitted to your insurance provider as soon as possible. When writing a letter to an insurance provider, make sure to include a claim number and a number on your health insurance card. However, the fastest way to have your claim processed is to use the standard appeals form if your claim is denied. Also, make sure to contact your insurance provider to ask for what must be done in order to speed up the approval of your claim. 

Get Help

To make sure that your claim is accepted, it is important that you understand your insurance policy. If you are struggling to understand your policy, it is recommended that you find a legal professional who can provide you with insurance claim help. In some cases, there are simple changes that can be made to receive compensation as soon as possible, while in other cases, you may need to go to court.