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3 Most Common Types of Insurance Claims

It seems like nowadays, there is insurance coverage for everything – from cars to homes and even for our pets. With the right knowledge, you will find that the process is easy to complete once you understand the common types of insurance claims.
Here are three of the most common types of Insurance Claims.

Health Insurance

Health is insurance is the most sought out form of insurance that pays for medical expenses. Most people use it to cover disability or long-term care needs. While it may be provided through a government insurance program, private insurance companies seem to have more options and coverage for patients. You can purchase insurance on a group basis, such as employees, or as individual coverage. For every case, taxes or premiums are charged on a particular basis to help protect people from high or emergency healthcare expenses.


Life Insurance

As protection against financial loss from death, life insurance pays your beneficiary a guaranteed amount when you die in exchange for premium payments. This helps replace lost income for your loved ones in the event of your premature death.

Auto Insurance

Auto insurance is another commonly used type of insurance as it is also required by law for every automobile owner. As most states require that every driver should have some sort of insurance coverage, it can be divided into two essential areas such as property and liability damage.

Property damage insurance pays for damage you may have caused to the property of others. This includes vehicles, walls, equipment, fences, etc.

Liability insurance covers bodily injury, property damage, and uninsured motorist coverage. This insurance claim pays for any damage you may have caused, drivers who do not have auto insurance, or if a hit-and-run driver injures you.

Be sure to understand the importance of each insurance claims along with the plans. Your insurance agent can help you through each step of the process. Always be sure to report loss or incidents immediately to gain as much control of the situation as much as possible.


How Does the Process of Insurance Claims Work?

If you haven’t applied for insurance in the past and decided you need it, perhaps you’re wondering how insurance claims work. You’re definitely not alone as many individuals don’t fully understand the process of filing a claim. Good news is we can help you through it.

Filing an Insurance Claim


STEP 1: The process of filing an insurance claim starts with notifying the person responsible for the accident. You must first let them know that you intend to submit a request for any injuries that they have inflicted. This may increase the chances of settling the claim quickly than unfairly surprising them.

STEP 2: Gather evidence by thoroughly investigating your claim. Establish and bring proof of who was responsible for the incident and determine what you believe your claim is worth. Write a formal demand letter and send it to the insurance company of the person who is responsible.

The letter is a vital element in your claim in the negotiation process. Your demand letter must address the following:

• Proof and reasons why the insured person is responsible for your injuries by law
• What are the injuries, stages and where
• What type of medical treatment was required and how much it cost
• Income loss due to the injuries
• Other damages you may have suffered
• Why you may have quality to make a claim against the person at fault

Step 3: Once you have submitted evidence, you will then engage in an informal negotiation with the insurance company until you have agreed to a settlement.


Most insurance claims can be easily handled, though you may not always be lucky and find yourself with an unreasonable claims adjuster. If this case, determine a better negation tactic and consult an experienced lawyer. If all else fails, take your case to court.