How To File An Insurance Claim

Sep 28, 2018

28 Sep
2018
The Ins & Outs of Insurance

How To File An Insurance Claim

by Bill Smith

Filing a claim can be a daunting experience. Though this is the reason we have insurance, the process may be unfamiliar to you. Luckily, we are here to help!

When The Incident Occurs

Whether an accident on the road or damage in your home, you’ll want to record details as thoroughly as possible, as they may become important later. If another vehicle is involved, exchange insurance information and file an official accident report with the police. In any event, be sure to take pictures and do your own documentation. This will help you remember the accident and all damage on either vehicle involved.

Notifying Your Insurance Company

Report the loss to your insurance company as soon as possible so they can begin their investigation. You can normally file a claim by calling your company’s claims department or by going online. As you prepare to do this, re-familiarize yourself with all of your coverage and the terms or your policy. If it turns out the damage is under your deductible, or something not covered on the policy, the process stops here.

Claims Investigation

If the damage is substantial, contact your insurance company and they will send an adjuster to look at the damage caused by the claim and estimate the cost of repairs. To expedite this process even more, in the case of car damage, you can bring your car to an auto body shop and have the adjuster go directly there. Do not take action on any repairs or estimates until contacting your insurance company.  In some cases the company may require you get multiple estimates for the damages.

Determining Payout

No matter the situation, your insurance company will want a statement regarding what happened, be sure to take note of the date, time and location of the claim. All information gathered will be reviewed to determine whether or not you will be covered for the claim, as well as what portion will be covered. In the event of an accident, payment will also be determined by the percent which you are at fault. For example, if you are rear-ended by another driver, you will likely file a claim with their insurance company under liability.

Once all of the information is taken into account, if the claim is going to be covered, you will receive a check in the mail in the coming weeks. Here at TSC>Direct, we hand deliver our claims checks so that we can see our satisfied customers face to face! From there, the process is complete and you can use the money from your insurance company to help repair any damages!

You can only file a claim if you have insurance, start by getting a quote with TSC>Direct today!

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Since 1986, we have offered the most competitive rates in auto and homeowner's insurance in the New York metropolitan area. Why should everything cost more just because we live in the greatest city in the world? Take 2 minutes and get a free quote today.

As of December 31, 2017, Tri-State Consumer Insurance Company, known by its trade name, TSC>Direct, had admitted assets of $104,143,929 and policyholders surplus of $45,194,317. Its total liabilities were $58,949,612 including $42,833,754 in reserves.

 

2018 All Rights Reserved. Tri-State Consumer Insurance Company, a division of Tri-State Consumer Inc., 100 Jericho Quadrangle, Suite 124, Jericho, NY 11753-2702

 

Providing auto and homeowners insurance to: New York City, Queens, Manhattan, Brooklyn, Bronx, Staten Island, and Nassau & Suffolk Counties in Long Island. Providing homeowners insurance also to: Westchester County and Orange County NY.