What happens when there is an insurance claim?
Get Legal Help Today
Secured with SHA-256 Encryption
UPDATED: May 2, 2012
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Payment of claims is the reason that insurance exists, yet policyholders often perceive that insurance companies resist paying legitimate claims make the claims process unduly difficult. Both insurance companies and policyholders have contractual obligations which must be understood and performed to ensure the timely and satisfactory resolution of claims. The insured is required to give prompt notice of claims the insurer and to send the claim to the place specified in the policy. The insured is also required to provide documentation to the insurer and cooperate with the insurer’s efforts to investigate the claim. On the other hand the insurance company has an obligation to pay valid claims and not try to avoid paying them with bad faith conduct. In some cases, the insurer may be required to defend or settle claims made against you.