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Insurance is not an easy topic and not something that  a lot of people are particularly comfortable with. The terms can be confusing, so are the implications they come along with. Also, there are so many policies that have different kinds of variations! There's no need to worry though, this is the layman's guide to navigating the insurance field. 

1. Be Proactive
When you are filing for a claim, it helps when you're not being lazy. Constant follow up is key to making sure you get what you are owed in an efficient manner. Make sure you provide all of the evidence and relevant info required towards your claim. Also be proactive yet patient when it comes to getting updates about the status of your claim.
2. Get rid of the Jargons
Like all the other professions in the world, insurance is also plagued with jargons that may sound like French to the ordinary consumer. That's why it's important to make sure that when you come across a term you absolutely do not understand, raise your hand and ask about it. "Please tell me in plain English", you can say that jokingly. Your insurance agent will be more than happy to "break it down" for you. Signing a contract you did not fully understand to begin with is a pitfall for  a slew of dissatisfactions.
3. Honesty - and evidenciary proof - are your best friends.
For a speedy processing of your claim, make sure you are very detailed in describing what happened (detailed and honest, mind you). It would also be best if you have evidence such as photographs to back your claims up. Don't blow the whole thing up or make it sound much worse that it really is because you might not get anything at all if they find out, or worse, be sued for claimant fraud.
4. Thrive in your connections
Being part of an association can have tremendous perks and they may include but are not limited to exclusive insurance rates and discounts for the members. Doing your research on this will be well worth your time and will have you saving money and reaping hte benefits of being part of a group in no time.

5. Do you homework
Three big words for you: State Guarantee Fund. Make sure you do your homework and research if the insurance company you chose to go with is covered and licensed. This fund will cover you in case your insurance company defaults. Also, lower insurance costs equate to a huge deductible amount. Either way, many insurance claims fall below the deductible amount so it's not something you would have to sweat over.

Hope this helps you in some way. Insurance does not have to be something you dread dealing with. With the right pointers, and tips, you are well on your way to being an expert yourself and maximizing or getting the most out of your policy!
Posted 4:49 PM

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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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Astwood Insurance, LLC
287 East 950 South
Orem, UT 84058

8537 S. Redwood rd suite a
west jordan, ut 84088

PH: 801.224.0165
FX: 866.950.3070

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