If you’re lucky, you may never have to file a claim with your insurance. However, when things go wrong and you are involved in an accident, disaster or other loss covered by your insurance policy, you can and should file a claim with your insurer. Read our article to find out how it happens!
When you file a claim, you are formally notifying the insurance company that you have suffered loss or damage that you believe is covered by the policy and asking for action to be taken. The insurer will examine your request and see if the event or the circumstances are risks covered by the insurance policy.
You will need to provide proof that it is a genuine claim and the insurer will need to ensure that the claim meets the terms of your insurance policy. If your request is accepted, the replacement or repair of your property or any payment from the insurer is triggered. Indeed, the insurer will calculate the value of the claim and pay you the appropriate benefit specified in your insurance contract.
Insurance companies strive to make the claims process as smooth as possible, but the insured still has to complete a few steps in the claims process. If you are well prepared and organized and have all the information the insurance company needs to see, the claim process is usually quick and easy.
The first thing you should do is contact your insurance company as soon as possible after the event, especially if the loss is due to theft or a serious accident. Your insurance company will then review your claim and verify that it falls within the terms of your policy. If the latter is, your insurer will inform you of the amount of your deductible and will compensate you for the damage caused by the event giving rise to the claim.
Even if you think you will never need to file a claim with your insurance, you still have to be prepared. The process is rather simple and quick, provided you are responsive. To be able to be compensated, it is then essential to have subscribed to an insurance and especially to a good insurance policy which will cover the damage of which you are a victim. If you are looking for insurance that will be able to support you in this choice, turn to Macif!