Making Insurance Claims

Category: Finance, Insurance.

Making Insurance claims.

There is no easy way to make a claim, I know many companies out there will give you promises that they can deal with your claims hassle free but be warned, it is never that easy. Making an insurance claim can be a very boring, upsetting and really bitter thing to do. Am I discouraging you from making a claim, no, I am actually opening your eyes to the truth. There is no quick fix claims solution as each claim is unique, each insurer has a set process and every process is different. Everyone will want to get the very best service, get their property replaced speedily and have it all done hassle free but that is easier thought and imagined than done. How then do you know which insurer has the best process and which process will deal with your claim the best?

Know your insurers philosophy on claims. Well the truth is you have to read and understand the claims process before you even get to make the claim. Get to understand their thought on the process then go with what suits you. Many of us make it difficult for ourselves when we compare insurers when it is time to claim. I have known claims to last 5 years, some last 3 years and some a week, be it different clients but the same insurer. We look at aunty Nellie s insurers and how they dealt with her claim. As I have already said, every insurers philosophy is different.

This is never an accurate way or reliable way to access the claims process of any insurer. You can only measure the insurer against their philosophy and claims procedure. That is a great question, on one hand that is a great thing to do is the claims are identical. Is it then wrong to compare how your neighbour s insurers dealt with a claim similar to yours? However you are not your neighbour and your insurers do not deal with you according to what your neighbour s insurer did or did not do. The biggest piece of information I can pass to you is that when you take out a policy, get to understand the insurers claims philosophy and procedure and take them up on that when they fail to deliver. So in theory it might be good to compare but in practice it is difficult to make the comparison that way.

The measure of how good the insurers claim procedure can only be measured against how they deal with your claim against their procedures. Do not just take it for granted that all insurer deal with claims the same, no. It is wise to take their philosophy back to them and challenge them on what they have said, point out where they have missed it and that becomes the degree of their efficiency. Take time to seek the best claims philosophy and do not be sucked in by those who say we can get you the best results even for free, you might chase for a lifetime for answers. You might actually complicate the situation by getting advice from other sources, only get that advice when you feel that your insurer has no idea what they are talking about, when you fail to get sense out of them then yes it is wise to seek advice. The simply way is to know how your insurers deal with your particular claim and let them advise you how to go forward than to have someone chasing your money try to manipulate your situation.