If this is your car, you need to handle an insurance claim.
Everyone has to deal with insurance claims at some point, whether it's for home, car or any other type of coverage. That's why it is important to understand claims and what is involved in a claim file.
What is a Claim?
If someone hits your car, your auto insurance policy gives you certain benefits. The claim is your demand for payment under the coverage your insurance policy provides. Other types of insurance work the same way.
Filing a Claim
A claim can only be filed when something has happened to activate your benefits, such as a car accident. The process of contacting your insurance company and submitting forms it may require is called "filing" your claim.
What is a Claim File?
An insurance claim file is the information that accompanies your claim. It includes detail of the incident as well as any supporting information. An auto claim may include a police report on the accident and repair estimates for the vehicles and property involved, for example.
Paying a Claim
An insurance claim will be settled based on the information in the claim file. If the damage is not covered under your policy, the claim will be denied. If it is covered, the claim will be paid an amount determined by your adjuster. This will typically be enough to repair or replace the property or to pay bills associated with the incident.
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