Up next in Understanding Insurance (12 videos)
Get the facts on home, auto, car, and health insurance with these videos.
You Will Need
- Common sense
- Written record
- Attorney (optional)
When filing a claim, whether in writing or over the phone with an agent, answer the questions as simply as possible, and don't volunteer any additional information.
Tiptoe around medical insurers
Steer clear of any words that indicate you're receiving nonstandard medical treatment, such as "experimental," or "clinical trial." Use the phrase "medically necessary" when describing your treatment.
Car accidents mean never saying "I'm sorry"
When reporting a car accident to your insurance company, describe what happened in a brief, straightforward manner, and don’t apologize. Also avoid using the word "whiplash," which can raise red flags with insurance companies because of the frequency in fraudulent whiplash claims.
No matter how upset you are with your insurance company when filing a claim, avoid being abusive. Everything you say may be noted in your claim records, and being difficult won't help your cause.
Remember who you're talking to
Remember that the insurance claims adjuster is not your friend. Don't let your emotions or their apparent empathy lull you into saying the wrong thing when filing a claim.
Keep a written record
Take detailed notes of all conversations with insurance companies, including the names, direct phone numbers, and job titles of everyone you speak to. They will come in handy if you have a problem down the road.