Asian Journal- The Filipino-American Community Newspaper

CLAIMING insurance benefits can be an intimidating and confusing process. Policyholders, however, should be prepared and be well-informed. The first thing to remember is that effective communication with the insurance adjuster can make the difference in the amount of benefits collected. The following are pointers on how you can ensure that your dealings with the insurance adjuster will yield satisfactory results:

1. Document every communication with your insurance company in a notebook or diary. Note down dates, times, names, and subject of call. These notes will help you keep track of the status of your claim.

2. If any insurance representative made promises to do something, confirm this agreement or understanding by sending them a short follow up letter or email

3. Promptly respond to letters and requests from the insurer. If you feel the adjuster’s position is not reasonable, politely but clearly say so in writing. Do not, however, indiscriminately vent your frustration related to the original cause of your loss. Be clear-headed and calm.

4. Keep all invoices, bills, and records of expenses associated with your losses. You will be required to show proof of your losses. Take photos of personal injuries or the damages to the auto or the home that is the subject of the claim.

5. Do your homework by consulting with independent professionals to estimate the true value of your losses.

6. Dealing with an insurer is a business negotiation. Keep it civil and professional. No matter how friendly they are, the insurance adjuster represents a company whose interest is to minimize the payment of your claim.

7. Remember that everything you write and say may be recorded by the insurer. Even if you’re frustrated, control your emotions and avoid saying things that will make you seem unreasonable. Express your willingness to cooperate so that you are not perceived as causing the delay or problem.

8. Don’t sign any confidentiality agreement or any type of release or settlement, without consulting with an attorney. Doing so may significantly reduce your ability to obtain full policy benefits.