Insurance companies profit when policy holders do not pursue denied claims. Therefore, it is no surprise that insurance companies will often make you jump through hoops in order to talk to their representatives and get your questions answered. Here are a few useful tips on how to talk to your insurance company effectively - the more you know, the easier it will be to receive what you're entitled to:
- You will often have to talk to multiple people over the course of one telephone call, as representatives transfer your call and pass you from department to department. Keep and pen and paper handy to write down the names, titles, and telephone numbers of everyone you speak with. They may also have personal identification numbers - write those down as well.
- Also use your pen and pad of paper ready to write down detailed notes. Include the date, time, and duration of the call. If you can sit at a computer or laptop during these conversations to type notes, that can be extremely helpful when you need to retrace your steps, understand your claim, and, if necessary, help your attorney understand the specifics of your situation.
- Be organized when you call - have all of your paperwork organized, highlighted, and in front of you so that you can answer any questions they might have with specifics.
- Do your homework before calling - read your insurance policy thoroughly and have questions ready.
- Confirm your conversation - write to (email/mail/fax) your representative. If you send them anything, ask for a confirmation number so that you can be sure they received your information.
- Never give a recorded statement under oath without speaking to a lawyer first - know your rights!
If you think that your claim is being unfairly denied or delayed, don't accept no for an answer. Talk to an experienced lawyer about the details of your case. Attorneys understand how insurance companies work and can help you resolve your case, often without going to court.