Five Things To Never Say To Your New York Insurance Company

New York Insurance is not only committed to providing excellent products and services, but also to making sure that customer care is a top priority. Before filing a claim with your insurance company, take a look at these five tips that may help ensure that this sometime stressful and confusing process goes as smoothly as possible.

1. “I guess I was going around 60 mph…” When filing a claim, it is important to report only what you know for certain and to refrain from speculating or appointing blame. Guessing at circumstances, such as how fast you were driving before an accident, may end up hurting you in the long run by causing your claim to be delayed or even denied.

 

If you do not know the answer to a question, simply say so. If the insurance company is recording your conversations, it is wise to request a transcript for review to avoid any misstatements.

1. “I’m sure I have whiplash…” Fraud costs auto insurers approximately $6.8 billion a year so it is no wonder why they are skeptical when policyholders make claims without sufficient medical proof. Unless you are specifically diagnosed with a medical issue, such as whiplash, resulting from an accident, do not make such claims. Letting the insurance company know that you suffer from neck pain is fine, but self-diagnosing will be sure to raise red flags to your insurer.

 

1. “My doctor says I should try this investigational treatment…” When a medical procedure or treatment is experimental, they are typically not covered by health insurance. Before making such assertions to your insurance provider, speak with your doctor to ascertain that the treatment has been proven effective and that it is medically necessary to assure coverage.

 

1. “Help! My house if flooded!”  The dreaded “f” word should never be spoken to an insurance provider. Because flooding is not covered with the average homeowners policy, telling your provider that your basement is flooded will certainly put your claim in jeopardy. Damages associated with a broken pipe or malfunctioning sump-pump are generally covered but claiming that you were flooded will certainly get you in hot water with your insurance company.

 

1. “How long until you send me a check?”  If you need to file a claim with your insurance company, immediately requesting cash will raise red flags. Not appearing to care about the damage done to your home or car but instead just wanted to make sure the check is in the mail may make insurers suspicious. Save yourself a lot of hassle by providing the information they require to process the claim and refrain from demanding an immediate payout.