I Need to File a Claim, What Do I Do? Part II

So yesterday we began to discuss how you, the policy holder, would go about filing a claim in the event of an accident or loss.  While many of us are aware how to get insurance coverage, very few actually know the correct way to file a claim in order to receive the most out of their coverage that they’re paying for.

Briefly touching on yesterday’s points, you first need to notify your CT insurance agent of the circumstances surrounding the incident that caused the claim. Make sure you include as much information as possible for your agent.  Secondly, you the CT insurance purchaser are the greatest asset to the CT insurance provider, as the more assistance and information surrounding the claim that you give your agent, the better your chances are of 100% recovery.

Moving on from those two previous points, another key factor in your CT insurance claim process is preserving the state of any damaged belongings, parts, etc.  Make sure that anything damaged from an accident, storm, etc does not experience any further damage due to a lack of care.  If something else happens to your insured item that has no relation to the initial accident, then you may be liable for any of those additional costs.

And finally, make sure you keep EVERYTHING the way it is, and do not repair anything until after the insurance inspection takes place.  If you toss out damaged items or repair them prior to the CT insurance inspection, then you’ve breached your contract and you may receive no compensation.  

So hopefully you’ve learned some valuable lessons from yesterday and today’s blogs.  We hope you never have to file a CT insurance claim, but if you do, now you know how to properly handle one.  If you have any other questions, please don’t hesitate to call!