If you find yourself stuck in the middle of filing a claim, here’s what you need to know. Save yourself some time, hassle and the trouble of overcharging from insurance providers.

Here are five tips for filing insurance claims and what you need to know.

Tip #1: Understand Your Policy

Understand what your insurance claim covers and what it doesn’t.

Tip #2: File As Soon As Possible

If you have to file a claim immediately, be sure to do it as soon as possible. This will cause the bills to increase and even prevent you from using your insurance for emergencies.

Contact your agent and discuss the need within a particular time frame.

Tip #3: Double Check Your Information

Be sure to take your time as provide the complete information correctly. Aside from your telephone and person of interest to contact, write down the necessary information correctly, or else you may end up wasting time and money if asked to re-apply.


Tip #4: Ask Questions

Before you sign the contract with your insurance provider, look for any signs of disagreement or something you are unsure of in terms of plans. If you have a conflict results in a denial claim, make sure to have a notarized letter explaining why the claim is being denied.

Tip #5: Report All Losses

Report all injuries or damage related to the injury so that your insurance provider and help you accurately. Let your provider know the location of the incident so that they can immediately assist you.


Be sure always to protect yourself against fraud. While a majority of established claims are legitimate, some companies are not. Be sure to report any observed insurance fraud to help save others from making the same mistake.