{"id":81,"date":"2019-10-15T16:57:16","date_gmt":"2019-10-15T16:57:16","guid":{"rendered":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/?p=81"},"modified":"2020-10-05T20:21:54","modified_gmt":"2020-10-05T20:21:54","slug":"understanding-the-insurance-claim-process","status":"publish","type":"post","link":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/auto\/understanding-the-insurance-claim-process\/","title":{"rendered":"Understanding the Insurance Claim Process"},"content":{"rendered":"\n<p><strong>Understanding the\nInsurance Claim Process<\/strong><\/p>\n\n\n\n<p>When an unfortunate event such as a car accident occurs, it\u2019s\nimportant to know how to file an insurance claim. The claims process may seem overwhelming,\nbut Bluefire Insurance is here to help. So if you\u2019re in an accident and need to\nfile a car insurance claim, Bluefire Insurance will guide you through every\nstep of the insurance claim process. <\/p>\n\n\n\n<p><strong>How to File an Auto Insurance\nClaim<\/strong><\/p>\n\n\n\n<p>If you are involved in a car accident, you need to file a\ncar insurance claim with your insurer as soon as possible. The claim notifies\nyour insurance company of the accident. Follow these steps to start your claim:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Call the\npolice<\/strong><ul><li>The police will take down details of the\naccident, help keep everyone safe, and call for emergency services if needed.<\/li><\/ul><\/li><li><strong>Call your\ninsurance company <\/strong><ul><li>Bluefire will answer all of your questions to\nmake sure you are calm, safe, and understand your insurance coverage. We are\nhere to help you when you need it the most.<\/li><\/ul><\/li><li><strong>File a\npolice report<\/strong><ul><li>You may need this when filing your auto\ninsurance claim<\/li><\/ul><\/li><li><strong>Take\nphotos of the cars involved in the accident<\/strong><ul><li>No matter who is at fault, take pictures of\neverything. <\/li><\/ul><\/li><li><strong>Record\nvideo if you can<\/strong><ul><li>If there is fluid leakage, or the cars are\nmaking strange noises, or there are severe injuries, be sure to capture them on\nvideo.<\/li><\/ul><\/li><li><strong>Document\neverything<\/strong><ul><li>Take note of everything if you are able. Weather\nconditions, the other driver&#8217;s condition, time of the accident, etc. <\/li><\/ul><\/li><li><strong>Meet with\nyour claims adjuster<\/strong><ul><li>The adjuster investigates the accident, reviews\nthe claim, and makes sure that payments are made. Once the adjuster is done,\nyou will know the estimated cost of any repairs as well as the deductible you\nmay need to pay. <\/li><\/ul><\/li><li><strong>Get your\ncar repaired<\/strong><ul><li>Depending on your coverage, the insurance company\nmay pay the repair shop directly or send the check to you. <\/li><\/ul><\/li><li><strong>Rental\ncar coverage<\/strong><ul><li>Check your insurance policy to see if it\nincludes rental car coverage or reimbursement while your vehicle is being\nrepaired. <\/li><\/ul><\/li><\/ul>\n\n\n\n<p>Bluefire Insurance processes auto insurance claims quickly,\nkeeping our customers\u2019 best interests in mind. We work with you every step of\nthe way to ensure you understand what\u2019s going on with your claim. We take pride\nin offering personalized attention that gives our customers peace of mind. <\/p>\n\n\n\n<p><strong>Questions to Ask\nAfter Filing a Car Insurance Claim<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Am I covered?<\/li><li>What is my deductible?<\/li><li>Does my policy have a time limit on filing a\nclaim?<\/li><li>How long will it take to process my claim?<\/li><\/ul>\n\n\n\n<p><strong>Common Things That\nCan Delay a Car Insurance Claim<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Insured not having the money for the deductible<\/li><li>Poor communication between the insured and\ninsurance claims adjuster<\/li><li>Rushing repairs<\/li><li>Weather and other natural disasters<\/li><\/ul>\n\n\n\n<p>There are a lot of things that can delay a car insurance\nclaim. Be sure to stay in constant communication with your adjuster to help\navoid any delays. <\/p>\n\n\n\n<p><strong>What the Insurance\nCompany Does During the Insurance Claims Process<\/strong><\/p>\n\n\n\n<p>Insurance companies are expected to act in good faith and\nfair dealing. They are supposed to:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Provide prompt and ongoing communication about\nthe claim<\/li><li>Acknowledge, investigate, and approve or deny an\ninsurance claim within a reasonable amount of time<\/li><li>Defend the insured in a liability action<\/li><li>Settle claims fairly and promptly<\/li><li>Provide detailed reasons for denying an\ninsurance claim<\/li><\/ul>\n\n\n\n<p>When a claim is filed with Bluefire Insurance, we process\nthe claim quickly and accurately. We communicate with our customers at every\nstep of the insurance claims process. Bluefire takes pride in its superior\nservice and personalized attention that is given to every customer. &nbsp;<\/p>\n\n\n\n<p><strong>How Long Does an\nInsurance Claim Take?<\/strong><\/p>\n\n\n\n<p>Each state has different laws regarding how long insurers\nhave to settle a claim, but most insurance companies aim to settle claims\nwithin 30 days of filing. There are a number of factors that determine the amount\nof time it takes to settle a claim, but generally, you can expect your claim to\nbe settled quickly if the insurer has complete documentation and there\u2019s no\ndispute between parties or question whether your insurer <em>should<\/em> pay. &nbsp;<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Understanding the Insurance Claim Process When an unfortunate event such as a car accident occurs, it\u2019s important to know how to file an insurance claim. The claims process may seem overwhelming, but Bluefire Insurance is here to help. So if you\u2019re in an accident and need to file a car insurance claim, Bluefire Insurance will [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":106,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-81","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/81","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/comments?post=81"}],"version-history":[{"count":2,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/81\/revisions"}],"predecessor-version":[{"id":257,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/posts\/81\/revisions\/257"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/media\/106"}],"wp:attachment":[{"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/media?parent=81"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/categories?post=81"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bluefireinsurance.com\/knowledge-center\/wp-json\/wp\/v2\/tags?post=81"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}