10 Dec Notifying Your Insurer
An insurance policy is a promise to protect you against certain types of loss, but it can’t do its job unless your agent knows about the loss. Prompt notification is so important that it is actually a formal policy requirement. A policyholder that does not meet this requirement could end up being denied.
When you have need to file a claim, you should be prepared to:
- Contact your agent as quickly as practical
- Sometimes, it is not possible to contact your agent instantaneously. Therefore, you should contact your agent as soon as it is practical for you to do so.
- Identify yourself
- Be prepared to tell your insurer your full name (or the name the insurance policy is under) and the policy number.
- Give adequate details
- You will need to tell your agent the what, when, where, why and how of the situation. This information allows the agent to open a claim file, assign the loss to a claims person and begin an investigation of your loss.
- Provide copies of loss-related materials to your agent
- Your agent should have complete, accurate information about your situation. Send a copy of the information to your insurer and let them keep it on hand.
Swift communication about losses gives you the best chance to get needed coverage and gives your insurer an opportunity to handle a possible claim in the best way possible. It also allows the insurer to control issues that could let lawsuits gets out of control, such as the ability to offer payment for medical expenses or to contact and question witnesses.
Don’t hesitate at all! Contact your agent at AWS today to file a claim or if you have questions about a claim. Our AWS 24/7 app makes it easy to retrieve policy data, request policy changes, and send secure messages.