As practice shows, the relationship between the insurance company and the client are added as follows: the client company pays compensation for damage.The lower the insurance company pays the client, the greater the profits.Many companies are interested in the minimum payments.However, there is a sure way to get a full insurance compensation - it's well-written pre-trial claims to the insurance company for reimbursement.
In which case is the pre-trial claim
CASCO insurance company to enter into profitable, but to make payments is very unprofitable.Therefore, the need to write a claim occurs when the insured event.Insurance claim - this is a document that sets out the insurer documented the problem that has arisen as a result of the insured event.
What should I put in the claim
As a rule, any claim must contain details of the beneficiary and its sender.Correctly written complaint to the head of an insurance company.The sender must specify the name, exact address and contact phone number for communication.In addition to the personal data necessary to provide information about the insured event occurred.It should provide details of the make and model of the vehicle belonging to a DPT, state registration number, number of victims, the number of existing insurance policy, number of certificates, reports and other documents.It is necessary to designate the essence of the claim to the insurance company.You also need to list the requirements of the client.It would be good if in the claim to the insurance company will use a reference to the laws and regulations of insurance.Rounding out the claim and the date of signature of the policyholder.
How to file a claim
often claims occur before serving the customer conversation with a representative of the insurance company.Insurance Specialist trying to use the legal illiteracy of the client and convince him not to go to court.The argument may be driven by a variety of points of the rules.It must be remembered that the oral statement does not bear any responsibility.So do not be carried out on the excuse you need to file a claim and wait for an official response.For drawing up the claim to the insurance company may offer its form, but if it did not fit, and can refuse to write any blank sheet of paper.Before you post a claim, make sure that you have on your hands a certified copy.
If you can not personally leave a claim by the insurance company, you can send a courier with acknowledgment.In this case, write the claim can be home alone, indicating therein all the data and circumstances.When at home in doubt the correctness of filling the document, you can find a sample of claims to insurance companies at special sites.
All the necessary documents on insurance event must be stored until the end of the court case and decision.Remember that any claim to the insurance company is better to store a few years.
