How to File an Insurance ClaimHow to File an Insurance Claim

How to File an Insurance Claim

Insurance is an investment and not an expense. If you buy insurance for your car and crash, the damages caused to your vehicle will be covered by the policy, that is, you do not have to take out of your bag to pay for them.

If you buy life insurance and you die, your financial dependents will be covered in the amount you decided on your policy. If nothing happens to you, or your possessions, you already did it! That’s what life is about.

But what happens when the incident that you feared so much happens? What should I do then? In addition to all the emotional burden that they usually come with, you should be clear or clear about the steps to follow so that, at least financially, it does not become chaos in your life.

There is no doubt that each insurance and insurance company will have specific procedures and requirements that you must handle as your identification number. However, in that post I tell you what are, in general, those steps you should follow:

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How to File an Insurance Claim

Insurance Claim

Below are the required steps on how to file an insurance claim:

Notify Your Insurance Company

And this step is universal. As soon as the incident occurs (you got sick, crashed, your house caught fire, etc.) the first thing you should do is notify your insurance company. Therefore, it is recommended that you have your insurance company’s phone number saved to your cell phone so that you won’t go crazy or crazy trying to find it.

Fill Out Your Claim

Invariably there will be a document that you have to fill out , where you provide all your data, those of the policy and explain what happened in detail. Also, depending on the type of insurance, there will be other documents that you might have to attach to your application: it could be the complaint to the National Police, medical reports, inventories with estimated costs and/or budgets, etc. What you can have for sure is that the insurance company will give you all the requirements for each particular case. In general, all the information and requirements can always be found in your policy and on the company’s website.


And this is where people usually complain. Why is my application taking so long? Are they not going to reimburse me? Keep calm, everything takes a process and each process has its time. Most times, the submitted documents are either incomplete or incorrect and it is up to the insurance company to return them and accept them until all is well. If you are not able to explain and prove what happened, then how can the company proceed to pay you? Yes, it is a tedious process but not complicated and worth it because, in the end, you will enforce that protection for which you are paying.


In the previous post, we mentioned that the basis of this contract (any policy) is good faith, so the insurer trusts that when you bought your policy, you told the truth and did not omit important data. Also, when you fill out and submit the claim documents, your honesty is expected. Insurers have people, who are called “adjusters” and are the ones who do the damage inspection. For example, if you crashed, the adjuster is responsible for checking the car and making sure that the damage caused corresponds to the type of crash. For example, if you hit the car ahead, you cannot claim a break in the rear focus.


Finally, once you gave notice to the insurance company, you completed all the necessary documents and the adjuster confirmed that things were actually done that way, you will receive payment as appropriate, in accordance with the policy.


As earlier mentioned, these are general steps. However, there will be specific requirements for each type of policy you have and it is important that you know what they are when you buy it, instead of running to look for it at a difficult time in your life.

Keep in mind that each insurer will have their work times and one of the most important is the deadline you have to give notice that something happened. This will always be the first step and much is at stake when giving notice in a timely manner.


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