How to Properly Submit a Claim

Your insurance policy helps you financially protect you in the event of unforeseen events. But in order to be reimbursed, you’ll need to know how to properly submit a claim to the insurer.

1. Know who to submit the claim to.

Insurance groups are highly departmentalized organizations. If you submit a claim to the wrong department, they won’t necessarily be willing or able to redirect it to the correct department. You might not even discover your mistake for weeks afterward. This can cause your claim to be unnecessarily delayed or even erroneously denied. If you have a claim to submit and you have any doubt as to where to submit it, call your representative at the Allegiance Insurance Agency in Plano, TX for guidance.

2. Know when to submit a claim.

It’s important to know when it’s necessary to submit a claim. Incidences include, but may not be limited to, property vandalism, property theft, weather-related damage, accident damage involving another vehicle, personal damage while in a vehicle or as a pedestrian. Refer to the policy  from Allegiance Insurance Agency in Plano, TX for specifics about what incidents trigger the need to submit a claim.

3.  Gather the Information You Need

Insurance claims adjusters will need to see a variety of documentation relating to your claim. Gather everything together in one place so you have access to it for the submittal. Keep it together in a folder, and make copies of any information you send in to the agent. Needed documentation may include; your policy number, your contact information, the beginning date of your policy, the date, time and location of the incident, contact information for everyone involved, contact information for any witnesses and law enforcement officers on the scene at the time, driver’s license number and insurance information for everyone involved.

Be prepared to offer any additional information as requested by your insurance claims adjuster, including a sworn statement guaranteeing that the information you’ve provided is true and accurate to the best of your knowledge. If you follow all three of these tips, you’ll be better assured of a fast decision on your claim.