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What are my rights when filing a claim?

What are my rights when filing a claim? Know Your Basic Rights To File A Claim For Your Insurance: As a policyholder, you have certain rights. Every state has laws protecting consumers. Your policy is a legal contract between you and your insurer. It defines your rights and obligations as well as the rights and obligations of the insurance company. If you have any questions regarding your rights under the policy, talk to your insurance agent or company representative. You may also contact your  state insurance department , state attorney general's office, or your state's consumer affairs department.

Filing an Auto Insurance Claim

Filing an Auto Insurance Claim To file a claim, follow these steps:  Call your insurance agent as soon as possible, regardless of who is at fault. Find out whether you're covered for this loss. Even if the accident appears minor, it is important that you let your insurance company know about the incident. Ask your agent or company representative how to proceed and what forms or documents are needed to support your claim. Your insurance company will require a “proof of claim” form and, if there is one, a copy of the police report. Increasingly, companies allow you to monitor the progress of your claim on their web site. Supply the information your insurer requests. Fill out the claim form carefully. Keep good records. Get the names and phone numbers of everyone you speak with and copies of any bills related to the accident. Ask your insurance agent or company representative the following: Does my policy contain a time limit for filing claims and submitting bills? Is th...