When one starts paying their first insurance premiums installation after taking out a policy, that feeling of having some peace of mind often makes us relax a bit too much in terms of making an effort to understand just what we’ve gotten ourselves into. Yes it’s good to bask in the peace of mind which naturally follows, but you have some responsibilities to uphold as one of two parties in a financial and legal agreement that exists in the form of the insurance policy you’ve taken out.

One of these responsibilities is acquainting yourself with the dos and don’ts of the claims procedure in particular, something which would naturally bear some specifics which are synonymous with your specific insurer and specific terms of the policy, but there are indeed some general dos and don’ts which would really go down as some insurance claims procedure common sense.

Don’t waste time

Time is of the essence when filing an insurance claim, whether it’s for something like auto insurance following a car accident or if it’s for household goods insurance following something like a house robbery or disaster. Sure, it will undoubtedly be a very stressful time to have to go through, but make sure not to miss out on the time parameters for filing a claim as set forth in the terms and conditions of the policy.

This is very important because some insurers use this sort of non-compliance as some grounds for the denial of a claim, as stipulated in the contract you signed when taking out insurance coverage.

Some insurers also require additional documents to be furnished within the stipulated time parameters forming part of the claims process, such as perhaps making a affidavit to attach to your claims form, but generally all of this is done within reason. For example, if you’ve perhaps been badly injured in the vehicle for which you subsequently want to claim an insurance pay out on, merely notifying your insurer that you’ve been involved in an accident will often be enough, but again it’s all about adhering to the stipulated claims procedure terms. Sometimes, you will need legal advice, if you have problems with your insurer.

Do be proactive

Look, as much as taking out insurance is something one does to ease the financial burden which may befall them should some or other specific mishap ensue, this doesn’t mean once you have your policy and you’re diligently paying your premiums everything will be sorted out for you and run smoothly. You will have some of your work cut out for you, like perhaps being able to prove that you made an arrangement to settle some of your premiums a little bit later on one or more particularly difficult months financially with the agreement being that that won’t affect the claims payout process. This is when you might need to bring in the legal heavy hitters in the form of the likes of Rutter Mills, legal professionals who fortunately do offer free consultation.

This could go a long way in easing the tension and stress you’ll naturally be experiencing, a lot of which would be as a result of the underlying event which is triggering the payout claim.