Home and auto owners purchase insurance to protect their assets and to get coverage after damage happens. Property damage is covered if the damage happened during a covered event, and automobiles are covered according to the coverage level selected by the owner. The home or auto owner can maximize their coverage claim based on the sequence of events that caused damage and the number of parties involved.
Consult An Attorney
An attorney can help claimants with insurance claims, and if the insurer wants to negotiate, the attorney knows how to manage these aspects of the claim. Insurers often want to settle instead of winding up in court. Lawyers can review the entire claim and what it pertains to and find a solution, and the legal representatives can explain the claimant’s rights according to the policy terms. Policyholders can learn more about these strategies by contacting Raizner Slania LLP now.
Know the Exact Terms of Your Policy
Whether the policy covers the home or an automobile, all policies offer terms and conditions for coverage, and the insurer must provide the customer with a full copy of the policy. The terms define coverage amounts, applicable conditions, and restrictions. By reviewing each clause and term in the policy, the customer knows what is covered and what to do when filing a claim, and the person knows if the insurer is being negligent.
Ensure the Claim Meets All Contractual Obligations
When the customer files an insurance claim, there are guidelines the person must follow, and the terms of the policy explain these steps. There are deadlines and specific documents required for each claim. The policyholder must follow all instructions exactly, including filing the claim before coverage is no longer available, and the individual must contact the insurer on the day that the event happened. Some insurers have strict contractual obligations the policyholder must meet when filing a claim or coverage could be denied.
Document Everything Related to the Claim
The auto or homeowner must document everything that is included in the claim, and if the event was an auto accident, the person needs images of the auto damage from several angles. The policyholder doesn’t have to get images of their injuries. The images and documentation from the covered event show what happened and what damage was sustained, and the customer can use these images in court if the insurer denies the claim unlawfully.
Get Several Estimates for Repairs
Homeowners and auto owners must get estimates for repairs to attach to the claim, and the owner must get more than one estimate for these costs. Estimates provide a median amount for the claim. Most insurers review the estimates to find a median amount for the repair expenses, and the policyholder receives a check from the insurer once approved.
Many claimants can get a higher level of coverage if the person includes all necessary repairs in the claim, and the claim has detailed documentation to show why the amount is necessary. Auto or home repairs are covered only if they meet the terms of the policy. If the owner can prove that additional repairs or services are needed, a higher coverage amount is available, and the customer can get more coverage.
Maximizing the amount of coverage helps the claimant get more funds to pay for property damage or cover liabilities, and all policies have a minimum and maximum coverage limit. The coverage limit depends on the policy type and the value of the asset. By learning ways to increase coverage, a claimant could get more from their insurer when damage happens.