Automobile Insurance Queries? Ask me (2024)

FAQs

How to answer auto insurance questions? ›

Stick to the facts: Avoid giving an opinion about anything. Write down the adjuster's name and information for future reference. Do not guess answers: If you do not know the answer to a question, simply say so.

Avoiding Fraud. Insurance fraud is a significant concern for the industry. By asking questions, companies can verify the accuracy of their claims and prevent fraudulent activities. This ultimately keeps costs down for honest policyholders.

The adjuster may be calling to exchange information, give you a contact for making your claims, advise you about how to make a claim for your vehicle loss, or other reasons.

Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursement against losses from an insurance company.

Taking photographs of a vehicle can help insurers evaluate the condition of the insured vehicle, avoid fraudulent claims, assess the vehicle's value and estimate claim payouts.

Many times, leading questions are used by organizations to persuade clients to make a particular decision. For example, if you wanted clients to sign up for an insurance plan, you could craft a leading question like: “When would you like to sign up for our insurance plan?”

Why Is My Car Insurance So High? Your car insurance may be expensive because of your driving history, location, vehicle or credit history. Recent insurance claims and violations can increase your rates for three to five years. On the other hand, it's possible you also just have a more expensive car insurance company.

Negotiate Respectfully But Firmly

If an adjuster offers less than you believe is fair, don't be afraid to push back. Voice your disagreement calmly and respectfully. Explain your reasoning and provide evidence to justify asking for a higher settlement. Make a reasonable counteroffer based on your documentation.

What do you say when making an insurance claim? ›

Give your name, address, policy number, and the date and time of your loss. Make sure to tell your insurance agent where you can be reached, especially if you are unable to stay in your home. Follow up the call with a letter detailing the problem. Keep a copy of the letter.

Car accidents, personal injury, workplace injury and property damage are all common insurance claims that require an investigation.

If an insurance investigation is done in anticipation of litigation, then that investigation file is protected from discovery by the opposing party.

In many cases, a claim investigator will ask to see documentary evidence related to the claim. For example, you might be asked to provide a police report, receipts, inventory records, invoices, and shipping records.

Stick to what you know for sure and be clear and concise in your answers. If you do not know the answer to a question, say so, rather than guessing or making assumptions. “I can't be sure, but I'll bet the other driver was on the phone” is classic speculation that is best left out of a statement.

What is insurance? Insurance is a way to manage your risk. When you buy insurance, you purchase protection against unexpected financial losses. The insurance company pays you or someone you choose if something bad happens to you.

Submit a Claims Appeal Letter to the Insurance Company

This letter should explain why you believe the claim was incorrectly denied and include evidence to prove your argument. Evidence you should send with the appeals letter includes photos, videos, medical records, and witness testimony.