If you have insurance coverage, you can claim whatever compensation you need according to the policy. Unfortunately, sometimes, your insurance company may reject your claim application due to various reasons. This means you won’t receive your claims as expected. Here is what to do to ease the process and increase your chances of getting paid the claims.
Read and Understand Your Insurance Policy
Different coverage has different terms and conditions, and that is why it is imperative to take time to read through the policy carefully. Review the terms and conditions of the policy to get more insights and know where you might have missed it.
Check what the policy covers and the process of filing claims. Also, find out how long one is expected to submit a claim and under what circumstances. Sometimes, this can be a complicated and daunting process, and you may want to seek unpaid insurance claim help from an experienced individual to help you understand the entire process.
Contact Your Insurance Agent
Contact your insurance agent and ask for clarification after reading the policy. You can get the contact information from the policy, website, or social media pages.
If you do not understand some terms, let the agent explain to you and guide you on how to go about it. The agent will take the necessary step by submitting the complaint to the concerned parties within the company.
You will then get feedback on when the insurer will get back to you. It is also imperative that you follow up with the review process to keep tabs on what is happening. If you signed up for the policy through a broker, contact the person and let them take up the matter on your behalf.
Hire an Independent Assessor
It’d be best to get help from an experienced independent assessor who can advise you on the reasons why your claim was rejected. For instance, if your insurer cannot pay claims because of wear and tear, an assessor will examine the insurer’s report and advice you further.
Let the assessor also give you a report that you will send to the insurance company as evidence. While this may not necessarily change the insurer’s mind to approve your claim, you may still need the information at a later date. So keep it safe even if you do not get your claim.
While the process can be daunting, you shouldn’t give up because the solution to your problem might be nearer than you think. Follow up with the entire process as you make calls to the insurer until your case gets sorted.
As you follow up, have clear and thorough documentation of each step to use as evidence should there be confusion in the future. Persistency may not be a walk in the park, but it is worth it in the long run.
The Bottom Line
If you’ve done all you could but still can’t get unpaid insurance claim help, you may want to get in touch with an experienced attorney to stand in the gap for you. Working with someone who understands the entire claim process can make things smooth and seamless for you.