Claims myth-understanding

Focus On Facts

We Want to Educate You About The Realities Of Filing A Claim

Let’s face the facts.  You buy insurance to protect yourself in the event of an accident, injury, or some other event. Filing a claim with your North Bay homeowner’s insurance, auto or business policy should be easy, and the claims process should go smoothly. Let’s expose the myths around filing an insurance claim

  1. Myth- Filing an online claim with an online insurer is easy and takes only minutes. Online insurance claims can take longer, and you may not even know from where in the world the person is calling.
  2. Myth- Any claim will cause my insurance premiums to go up or my insurance policy to be cancelled. A majority of insurance companies simply handle and settle the claim fairly and don’t cancel the policy. Factors that might cause a policy to be cancelled are multiple claims, claims that involve criminal activity, and drunk driving.
  3. Myth- The adjuster’s job is to settle the claim for the lowest amount possible. Most adjusters are obligated to settle any claim per the terms of the policy.
  4. Myth- I do not have anyone to help me through the process. Our office will help you through the process and answer any questions you may have. We are your advocate. This may not be true if you purchased your insurance online.
  5. Myth- I can let my contractor or auto body shop handle the claim. Be aware of “ambulance chasers” that appear after a loss or accident and claim to have expertise in claims processing. They may not know your policy. Always call us for help.
  6. Myth- All I need to do is report the claim. You will need to communicate with the adjuster and provided other information as needed.

Insurance is intended to help you recover after a loss. We are here to help you review and understand how insurance works. At North Bay Insurance Brokers, Inc., we know you’ll need proper coverage in order to keep your investment protected and provide your family with the guarantee that they’ll always be safe and sound.

 

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