Insurance Claim Tips

Accidents happen, which is why it is so important to have the right insurance policies. While your insurance may not be at the top of your mind during a car accident or if a house fire breaks out, you will probably start thinking of your policies as soon as the repair bills come in. Keep these tips in mind to ensure that you will get paid after an insurance claim so that you do not have to empty your bank account.

• Make sure it is covered – check your insurance policies before making a claim to make sure that any damage is covered. Also, make sure that you know what your deductible is. If repair costs are less than your deductible, making a claim will not save you any money and may cause your premiums to increase.
• Keep detailed records – document all communication that you have with your insurance company during a claim, including phone conversations. The more detailed records you have, the easier it will be to appeal a decision if need be.
• File an appeal – if your insurance company denies a claim, you have the right to appeal the decision through a specific government agency. Keep in mind that there is a window of time that you are allowed to appeal a decision.
• Hire a professional – if you are dealing with a large claim that involves large sums of money or a complex issue, you may want to consider hiring a professional to help you deal with the claim.

For all your insurance needs, contact the insurance professionals at Michelle Lim Insurance Services Insurance in Alhambra, California. As an independent insurance agency, we will work with you to ensure that you have the right amount of protection, all at the right price to fit your budget.