How to File a Claim: A Step-by-Step Guide for Policyholders

Filing an insurance claim isn’t complicated, even though many people think it is.
Before diving into the steps for filing a claim, let’s start with the basics.

Understand Your Insurance Needs

First, it’s essential to have the right insurance for you, your family, and your business. Bosworth Insurance in Tyler, Texas, has been a trusted local company for generations. Having the appropriate coverage can make all the difference. Whether you need renter’s insurance, homeowner’s insurance, medical insurance for your family, car insurance, or life insurance, it’s crucial to find what fits your unique situation.

Once you have your policy, make sure you understand your insurance premium,deductible, and the specifics of your coverage.

Reasons to File a Claim

You might need to file a claim for various reasons, such as:

• A loved one with a life insurance policy has passed away.
• You or a family member has been in an auto accident.
• Your home or vehicle has suffered storm damage.
• You have been a victim of burglary.

Before contacting your insurance agency, ensure it’s worth filing the claim. Consider how much the payout will be compared to your deductible. If they are close, it might not be worth the effort.

When to File a Claim

An obvious instance to file a claim is in the event of a total loss, such as when your home or vehicle is irreparable. If it cannot be fixed, you’ll want to file a claim immediately.

If someone was injured, it’s crucial to file a claim right away, as medical expenses will come into play.

In the case of an accident, is it clear who was at fault? If it’s disputed, it’s best to file a claim to let the insurance companies determine liability.

Step-by-Step Guide to Filing an Insurance Claim

Here’s a simple guide to help you through the claims process:

1. Document the Incident:
   • Gather as much information as possible.
   • Take photos and videos of the scene, damages, and any relevant details.
2. Call the Police (if necessary):
   • Depending on the situation, you may need a police report, especially for accidents or thefts.
   • Request a copy of the report, as your insurance company may require it.
3. Exchange Information:
   • If it’s an accident, exchange contact and insurance information with the other parties involved.
   • Collect names, addresses, phone numbers, and insurance policy details.
4. Review Your Policy:
   • Understand your coverage, deductible, and what your policy includes.
   • Familiarize yourself with any deadlines for filing claims.
5. Contact Your Insurance Company:
   • Contact your Insurance Agency; reach out to Bosworth & Associates as soon as possible.
   • Reporting the claim quickly can help your case.
   • You can usually contact them via phone, online portal, or mobile app.
6. File the Claim:
   • Clearly explain the incident to your insurance representative. Include:
     • The date and time of the incident.
     • A detailed description of what happened, including any contributing factors.
     • The involved parties (if applicable) and their contact and insurance information.
     • Any witnesses who can support your account.
   • Provide all necessary documentation you gathered, such as photos and police reports.
   • Be ready to answer questions about your policy and the incident. This might include:
     • Details about the damages or injuries sustained.
     • Your understanding of the events leading to the claim.
   • Ask about the next steps in the process, including:
     • How long the claims process typically takes.
     • Any additional information or documents they might need from you.
   • Ensure you receive a claims reference number to track your claim status.
7. Keep Records:
   • Maintain copies of all documents related to the claim, including correspondence with your insurance company.
   • Document all communications, noting dates, times, and the names of representatives you speak with.
8. Follow Up:
   • Stay in touch with your insurance representative for updates on your claim status.
   • If you haven’t heard back within the expected timeframe, don’t hesitate to reach out for clarification.

Filing an insurance claim often happens in the aftermath of a storm, the death of a loved one, or an accident—not an easy time for anyone to think clearly. Having your insurer’s contact information handy can help them guide you through the claims process.

If you still have questions about how to file your insurance claim, contact Bosworth & Associates. Our trusted representatives are here to assist you every step of the way.