How To Pursue Insurance Claims

Since you searched for this online, it is possibly true that you are frustrated beyond possible limits, because your Insurance Company, that you hired to make your life easier, is in fact annoying you. Let’s not waste time, this article explains the strategy that you must adopt in the event that your Insurance company acts tough on your claim.

Let’s take you over the essentials first. The points that follow must be adhered to , otherwise you stand a chance to lose the fight against the Insurance company.

General guidelines

Pursue Insurance Claims

 1. Information

Gather all the information you can regarding your damaged device eg Manufacturer’s name,  model no, batch no, claim center’s details, basically anything that is required. You should have them ready before you call up the Insurance Company. Keep the info that you gathered in the same place, this is will make accessing them easier. Keep your policy booklet and contract ready as well.

2. Maintain Call logs

Once you have gathered all the required information, call the Insurance company. It is suggested that you don’t place your call on Mondays as it is the busiest day of the week. You should keep records of the following:

  • All communication with your Insurance company must be noted down precisely. Details about the following are most significant.
  • Time, date and duration of the call.
  • Name, ID and call center location of the representative you spoke to.
  • Name of the supervisor to whom your call was transferred.
  • Details about the content of your communication.

3. Be nice and pay attention

Remember that being rude is not going to reap any rewards. The Representative on the other end of the line is possibly more frustrated than you are as they have to deal with annoyed customers like you all day.

  • Greet the Representative back, make sure that you have gotten his name and other details right.
  • Politely explain your grievance, ask for their help, give them details that are required.
  • Tell them why you think your claim should be processed.
  • Always keep in mind that your fight is with the Company and the representative has nothing to do with it.

If you follow the above two rules, you might get a positive response from the Insurance company soon. But there are cases where even good manners and genuine claims fall on deaf ears. If you are experiencing something like that, read on.

They still won’t listen- What to do ?

Call them up at a later time:  This may help if the representative you talked to is a kind fellow. Or they may decide to help you just so that you stop annoying them with constant calls. Give it a try.

Speak with a supervisor:  We are not sure how much this would help, but it is still worth a try.

Threaten them: Yes, you read that right. You probably had thought about it already. First, tell them that you had been a loyal customer and that you will be disappointed if your issue is not resolved. If that does not work, threaten them by telling them that you will terminate your contract if your grievances are not solved immediately. When you do this, they will ask you why you want to terminate your contract. Proceed on telling them how your constant pleas and calls were ignored.

Threaten them some more: It might be helpful if you threaten them by saying that you will tarnish their reputation by bad mouthing them. Declare that you are going to publicise the details of how you were treated and you can even tell them that you will announce the same through various social media.

BBB: The Better Business Bureau (BBB) is one such institution that mediates between the customers and the businesses to resolve issues. Place a complaint with them . The BBB is not a government run organization, however they are advocates of integrity and ethics. They do keep records of all the complaints. No institution wishes to be in the bad list of the BBB.

Attorney General’s office: If you genuinely feel that you are being victimized, you can complain to the Attorney General’s office. They will conduct enquiries and try to resolve the issue. If you do not wish to do this, then simply threaten the Insurance Company by telling them that you will complain to the Attorney General’s office.

Last resort: The lawsuit threat. This should not be used unless your case is that compelling. Most biggies in the Insurance field have their positions covered legally and you may lose unless you have a strong case against them.



Recent Comments
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incicaSaulvam
03-08-2016
Even with a massive number of Vancouver Web Design, it is still necessary for you to choose the right one who can help you achieve your company's goal. Usually, the common goal of every entrepreneur is to generate leads that soon to be their customers. More customers mean more money for the company. Choosing among these vast numbers of provider is not so easy. You must compare packages from different providers so that you will have an idea who offers the best package at a discount price.
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incicaSaulvam
02-08-2016
Also, do you offer multiple payment options? Some people may feel comfortable paying via Paypal, some may only want to pay with their credit card and others might want to send a cheque. Generally speaking, the more options they have, the better you have them covered. After all, it wouldn't make any sense to sell hard to a prospect only to find that they won't be able to pay you when they want to.
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Michaela
24-11-2014
Most of the time, yes they will find those prior claims.Many inarusnce companies participate in a national database that tracks claims. They will also check you MVR records of any tickets or accidents. It is very difficult to slip one past an inarusnce company.Fraudulently stating fewer claims than you actually have is not a good idea. If you filed another claim and the prior ones were discovered, they could deny the new claim, back charge you a higher rate, and/or cancel the policy on the spot.Because your rate went up due to the claims, it's not a bad idea to shop around, just make sure they are rating you with knowledge of those prior claims.
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TOm
03-09-2014
lol...yeah speak to a supervisor. They are ready for that. BBB? right. Threaten them? The reps make a living dealing with people who make threats without a clue. What did I do? First of all do not accept no for answer. Meaning spend about an hour of your time on the phone with a rep. Demand escalation to someone who can authorize your claim. This will get you nowhere but the point to this to politely the the rep upset and fluttered. They will eventually insult you and you now can play victim. Take notes. Refuse to hang up. Make them hang up on you. The fact of the matter is a typical service provide is required to maintain a 40% denial. That means there are provider who make a living off finding the right reason for the warranty company to deny your claim. Armed with this info and the the way you were treated on the phone after the rep got pissed at you. find the name of the CEO. Figure out how the company structures its email domain. For example total protect is actually owned be CCHS.com Guess the CEO's email first inital last name. go to "whois.com" and lookup the domain name. It might help. Write a sincere polite factual email to the ceo and ask why it is necessary as a paying customer to be treated with such indignity and dishonesty. :) Im no genius but this is effective.
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Home Warranty Reviews » Blog Archive » Insurance Claims - Another way to pursue tough claims
24-10-2008
[...] and cost effective to take legal route to pursue your insurance claims and you may want to read How to pursue insurance claims article before you go that path. However, if you are fighting an insurance claim on a big ticket [...]
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