Personal Injury Claims Conway SC

How can I prove to the insurance company that I have a valid claim?

At some point in your life, you may have to put your insurance policy to use by filing a claim. Whether you will recover for a legitimate claim and the amount you will be paid, depends largely on the knowledge of your and responsibilities. While claims should be filed only when necessary you will want to be prepared and know what to do if it becomes necessary. Below is a checklist pointing out certain things you should do in order to prove to the insurance company that you have a valid claim.  By following these basic tips, you can better ensure that the insurer will act in good faith when determining whether you will receive insurance proceeds. 


  • Follow Procedures—If you want to make a claim, you should immediately request a form from the insurance company to file your claim. Policies indicate a time limit within which a claim must be filed. Be sure to check the terms of your policy, or call and ask your insurance agent, to see whether you are filing in time.
  • Gather Evidence—You will need to show proof of your claim, so, depending on the type you are reporting make sure to take pictures, save receipts, and write down as much information as possible regarding the situation so that you can rely exactly what happened when your insurer asks. For example, If your luggage goes missing while you’re travelling, fill in a ‘property irregularity form’, and if you have to make emergency purchases, keep the receipts.
  • Get a Medical Evaluation—You must be able to prove you have actual damages when making a personal injury claim so make sure to get checked by a doctor and retain a copy of your medical report.
  • Tell the Truth—Make sure you tell the truth about your situation when recounting it to an insurance adjuster because lying about the situation in order to make it more favorable to you could result in insurance fraud which is a serious criminal charge. It is always better to be safe than sorry, so make sure to be honest when retelling the details in your story.
  • Get a Police Report—A police report is a great source of evidence when proving to your insurer that you have a valid claim, especially if you are not at fault. The insurer will rely on this police report and will help you avoid having to try to remember the specific details about the situation

Even if you do follow every part of this checklist, you nevertheless may still be denied your claim.  In this case, Rankin & Rankin located in Conway South Carolina, is here to help you prepare and present a strong insurance claim.  To challenge an insurance company’s denial of your claim, contact Rankin & Rankin at (843) 248-2405 for information about how our services can benefit you and the status of your claim.

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