How To Handle A Claim

Automobile
Homeowners
Business

Knowing just what to do when you have a claim can help you get the best value for your insurance dollars.

Insurance Companies pay more than $150 billion each year in claims from policyholders. Those claims result from losses suffered during fires, hurricanes, tornadoes, robberies, auto accidents, dog bites, falls and a host of other traumatic incidents.

Instead of waiting until an accident strikes you or your family, save time, money and anxiety by doing three important things now:

• Look through your policies to see what is - and isn't - covered. The coverage’s and exclusions in your insurance policies can differ significantly from those of your friends. The best advice is to understand your policies before you have a claim.

  Ask us at Oberman to explain anything you don't understand.

• If you have an accident, be sure to talk to your insurance company before you talk to a lawyer. The vast majority of claims are settled without a lawyer.
• If you decide you need a lawyer, be sure you establish what his or her fee arrangement is.

Remember that when you hire a lawyer, you lose your ability to represent yourself with the insurance company.