Making an Insurance Claim – How to Do It Right?

Filing for an insurance claim means you’re making a request to your insurer to receive compensation for the repairs and expenses caused by unexpected events (e.g. car accident, fire, calamity). Once submitted, the insurance company will then validate the request whether they will reject or approve it.

Now the real question most people have is, whether there’s a proper way to make an insurance claim. To help you get into this process, here are some helpful reminders for you.

When to File Your Insurance Claim.

There are three scenarios when it makes perfect sense to file for a claim. Here are some of them.

  1. Someone is injured. It can be yourself or a family member who is also insured.

  2. If you cannot determine who’s to blame and at fault for the said event especially during an accident. In this case, an insurance company can help figure it out. 

  3. When you suffered from major loss or damage and your only hope of recovering is your insurance policy.

Filing an Insurance Claim

If you happened to be in any of the above mentioned ordeal, the next step is to file for an insurance claim. However, to make things organised and in order, here are some of the steps you can follow.

  • Try to Document or Keep of Everything – Gather as much information as you can. If it’s an auto accident, be sure to get all the names and contact details of all the parties involved.

  • Inform Your Agent – Whether you are at fault or not, you have to let your agent know about the event as soon as you can.

  • Listen to Your Agent’s Advice – Once informed, your agent would often ask you to secure and collect a couple of things before filing a claim. This would make a compilation of things and documents you’ll need for your claim request.

Making an insurance claim is pretty simple. As long as you have everything ready, it’ll be easy to get an approval on your request. However, if you encounter disagreement with your insurer, rather than doing things on your own, it’s better if you consult an insurance lawyer in Hong Kong to help you determine the best course of action for your request.


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