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What happens when there is an insurance claim?

UPDATED: May 2, 2012

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Payment of claims is the reason that insurance exists, yet policyholders often perceive that insurance companies resist paying legitimate claims make the claims process unduly difficult. Both insurance companies and policyholders have contractual obligations which must be understood and performed to ensure the timely and satisfactory resolution of claims. The insured is required to give prompt notice of claims the insurer and to send the claim to the place specified in the policy. The insured is also required to provide documentation to the insurer and cooperate with the insurer's efforts to investigate the claim. On the other hand the insurance company has an obligation to pay valid claims and not try to avoid paying them with bad faith conduct. In some cases, the insurer may be required to defend or settle claims made against you.

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