Coverage comes first
The insurer may examine which policy applies, who qualifies as an insured, exclusions, limits, and required notice.
Responsibility is investigated
Statements, physical evidence, reports, video, and legal rules may be compared before the insurer accepts or disputes fault.
Causation is reviewed
Medical history, the mechanism of injury, symptoms, treatment timing, and clinical records may be used to assess whether claimed harm relates to the event.
Losses need support
Bills, wage records, repair evidence, and descriptions of day-to-day limitations can help document the effects of an injury.
The process is not neutral
An adjuster works for the insurer. Communicate accurately and understand detailed statement or authorization requests before agreeing.
Every claim is different
Policy terms and facts vary. This guide cannot determine the value, deadline, or appropriate strategy for an individual matter.