What happens after you file an insurance claim? If you’ve been involved in an accident and submitted an insurance claim, you may be wondering what happens after your claim is filed. Here is a look at the typical steps the insurance company will take following a claim. Claims adjustment. A claims adjuster at the insurance company may call you or schedule an interview with you to discuss the details of your claim. In support of your claim you may be asked to provide a claim form and other proof of your losses. Your claims adjuster will make an initial determination of whether your claim is covered by the insurance and how much the insurance company needs to pay.
Investigation. In more complicated claims, such as multiple car accidents. The insurance company may undergo a formal investigation of the claim. The insurance company will look into the cause of the accident and try to assess fault. Report of fault. The insurance company may issue a formal report that assesses fault. Typically someone is always determined to be at fault in a car accident. Even if the fault is only partial, this will help determine how much the insurance company pays out. And also how much the insurance company will increase a party’s insurance premiums
Dispute. An insurance company’s ruling and report is not indisputable. In fact, these assessments are hardly unbiased. Instead, an insurance company has the incentive to place as much blame on you as possible to reduce its payout and to increase premium charges. As a result, you may want to work with an experienced attorney to help you dispute the insurance claim.
