How to File an Insurance Claim

October 2006 (Medialink) -- The best time to learn how to file an insurance claim is before you actually have to file one. The process may go smoother and your insurance company may be able to settle your claim quicker if you are prepared.

Being prepared means knowing what your policy covers. It's recommended that you review your policy with your agent once a year. It's possible your coverage needs have changed. Or, you may want to adjust your deductible.

If you do need to file a claim, the process is generally a simple one. Most insurance companies offer 800 numbers. You may also be able to file the claim online.

After you file a claim, be prepared to answer questions from an insurance adjuster. The more information you can provide, the smoother your claim may go.