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.



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.