Get Smart About your Insurance Coverage

To ensure proper insurance claim payments, understand your policy's coverage and deductibles. File claims promptly with complete, accurate information and keep all correspondence records. Avoid rushing settlements and negotiate if needed. For auto/home claims, make temporary repairs only, keep receipts, document damage, and get itemized settlement explanations. For health claims, ensure detailed medical info is provided and verify billing. Contact your state insurance department if treated unfairly.