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Step 1: File A Police Report (If Necessary)
Step 2: Document Any Damages
Step 3: Reviewing Your Insurance Coverage
Step 4: Contacting Your Insurance Company
Step 5: Prepare For Inspection
Step 6: Review Settlement Offer
Step 7: Receive Settlement Payment And Repair The Damages

An insurance claim is a request by a policyholder for compensation for a covered loss. The insurance company will then review the claim. If they accept the claim, then they will issue a payout. If they deny the claim, then you need to consult with an attorney to review you options. There are a variety of different insurance types and each one of them has a different claims process when you’ve suffered a loss. While the process may not be the same across all insurance types, there are a few common threads of the insurance claims process you can keep in mind as a guide to help you through it.

Filing an insurance claim can be a complicated and confusing process. How your insurance claim is handled by you insurance company largely depends on your policy. To file an insurance claim, here are five helpful tips:
Communicate with Your Insurance Company
Complete and Organize Your Paperwork
Have Your Damages Appraised
Pay Any Applicable Deductible
Make Repairs

What your insurance claim will cover depends on the type of insurance you have. Here are a few types of insurance coverages:
Bodily Injury covers any medical injuries that you cause to another driver. The other driver will file a claim with your insurance company to access these benefits.
Property Damage covers any property damages that you cause to another driver. The other driver will file a claim with your insurance company to access these benefits.
A Comprehensive Policy covers damages to your own vehicle that are not due to an accident. This may include theft, vandalism, a tree falling on your vehicle, or flooding.
A Collision Policy covers damages to your own vehicle that are due to an accident, even if you are at fault. You will file an insurance claim with your own provider to access benefits.
Med Pay Policy covers medical bill and funeral expenses regardless of who is at fault.

If damages on the vehicle are more expensive than the total value of your vehicle, the insurance company may consider it to be totaled. This means that instead of paying to repair your vehicle, they will issue you a payment that is equal to its market value. If you have a loan on your vehicle, it may pay off the remaining balance. If you own your vehicle, you can use the check to buy another vehicle of a similar value.