How to claim to an insurance company

How to claim to an insurance company. After making a claim to your insurance company, you can be the case in that it refuses to carry out the complaint and to appeal the claim to the insurance company. Usually when engages any type of insurance customer expects that the company covers you in the cases set out in the policy. However sometimes the companies refuse to cover those incidents which the insured claims.
This situation user raises are questions as, why the company is refusing to cover my incident? What can I do?

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Why insurers refuse to cover an incident?

Among the various reasons why the insurers may refuse to accept the claim are:
Different interpretations of the terms
Defects of shape
Modification of the conditions of the policy

Different interpretations of the terms

All insurance policies have a number of terms and conditions. This fact leads, sometimes to confusion on what coverage you have actually contracted.

Therefore, and before performing the claim is important to examine the policy and keep in mind if we can really do it. If the claim takes place and gets a refusal by the insurance company, you should know what your argument, since often the interpretations of the user may differ from the company’s.

Defects of shape

All insurers have established a number of procedures to present complaints and complaint, making it available to users specific forms to carry them out.
In case of no show the claim in the manner and within the stipulated deadlines, it is very likely that the insurance company denied the claim.

Modification of the conditions of the policy

It can happen that it secures decide to make some adjustments to a certain type of insurance coverage, assuming a variation in the contracted coverage. In view of this fact, it is important that the customer ensure that was informed by the modification of the policy in question.

The client can do when an insurance company is refusing to accept a claim?

When you hire any policy are hiring certain services with a specific coverage and guarantees on the basis of what has been hired. Claim process insurance companies begin at the moment in which we suffer any type of incident. However it is necessary to note that before carrying out any kind of claim is read the fine print to make sure that we can actually carry it out.

If you carry out the claim and get a no for an answer from the insurance company, the insured shall act in the following manner:

A refusal on the part of says it is important to ask for an explanation of the reason for such refusal, since it could be the case that the insurance company has committed an error in its decision.
It is important to apply and have written the answer of the insurer to avoid misunderstand anything and know with certainty what which lead to the refusal.
Carefully read the policy that the user has contracted is another factor that must be considered, because each case is unique and each insurer has its own coverage and reasons.
It is suitable for the client to ensure of what are the limits for filing claims from their insurance company.

If 30 days have passed since the user sent the claim and does not have any news regarding this, it is recommended to submit complaints in writing.

Important information for appealing a claim to an insurance company

Below is the essential information and that can not be overlooked when the user decides to claim a complaint the refusal of the insurer:

The user must detail the phone calls made, the date and the result of the talks.
Include the initial claim, which already arose in his time again.
If the damage is physical, medical reports certifying the injury must be attached.
Customer must argue the situation that causes such denial. It is preferable to send the documents by registered mail so that there is official evidence that the insurer has received the information. Do you have doubts when choosing insurance and don’t know what coverage is, With this basic guide to insurance, you can resolve them. What is insurance, what kind of insurance are there: life, death, car insurance, home insurance insurance insurance, are the insurance mandatory, how to claim to my insurance.

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