4 Ways to Speed Up Your Insurance Claim
An insurance claim may be taking so long to settle because the insurance company doesn’t have the right documents to process the claim or delays in processing the claim. Keep these tips in mind to speed up your insurance claim so you’re not waiting so long to settle.
File As Soon As PossibleThe sooner you file your claim the sooner you can resolve it. If you wait too long to file your claim you may lose or forget important evidence and in turn reduce your settlement value. You also must file the claim within Colorado's statute of limitations, which is three years for traffic accidents. You may also file a claim with your own insurance company, even if the other driver was at fault for the accident. Your insurance company may be faster to respond than the other driver's company, and you may recover compensation for your deductable later if your liability claim with the other driver's insurer is successful. Some car insurance companies encourage use of smartphone apps to report your claim. Most apps allow you to send all of the information about the crash, including photos of the accident site and the other driver's insurance information, directly to your claims representative. This type of instant transmission of data may help you file your claim faster.
Respond to Information Requests ImmediatelyWhen the insurance company or your attorney requests documents such as medical records, repair estimates, equipment receipts, and accident photos, send them as quickly as possible. If the company allows it, scanning documents and sending them by e-mail or fax is the quickest way to get important paperwork to the claims department as soon as possible. The faster you respond to information requests and return signed forms, the faster the insurance company can process your claim.
Keep Clear RecordsOne of the reasons insurance claims are delayed is because there are missing parts to your claim file. When you send any evidence to the insurance company, retain a copy of your own. That way if the insurance adjuster claims there is missing paperwork, you can quickly retrieve it and send again. Keep a calendar of due dates and times of correspondence so you can track your claim's progress. You will often come across time limits for producing requested documents, so keep in mind when things are due to the insurance company. Also keep note of when the insurance adjuster tells you certain things will happen. If he or she tells you to expect a form in the mail within seven to ten business days, make a note of this timeframe. If no form has arrived by the tenth day, follow up with the adjuster to make sure your claim has not stalled.
Contact an AttorneyKeeping tabs on all paperwork, deadlines to file it, and evidence you must share can be frustrating, especially when you are trying to repair your vehicle and recover from your injuries. By hiring a personal injury attorney, he or she will be able to take over monitoring your claim's progress and submitting and necessary documents or evidence. Attorneys can also suggest authorized repair shops for quotes, keep your evidence organized, and ensure you do not miss deadlines for paperwork.