Insurance Claim Process

Insurance Claim Process

The following discussions in the insurance claim process are important and occur early in the process.

Discussion One

The first person you speak with at the insurance company says he or she is “just gathering information, and a claims adjuster will be assigned to your case and will contact you to settle the claim.“

This does not necessarily mean the insurance company will settle the claim or settle it fairly.  The company wants information quickly to support its own positions.  This initial reporting stage of the claim is very important to you and your interests may differ from the insurance company.  It is good to get advice at this early stage of the process.

Discussion Two

An insurance company says it “will take care of the medical.”

You may save money or receive more money if you use medical coverage in a certain order and along a certain time-line.  It is usually better to use health insurance first for all emergency care and in network providers, then move to medical expense coverage under a liability policy, and then move on to the liability coverage.  In some cases, you may be entitled to a triple recovery.

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