What is an insurance claim?

An insurance claim is a formal request made to an insurance company requesting a payment based on the terms of an insurance policy. In Washington, insurance claims are governed by state law, which requires insurers to review and process claims in a fair and timely manner. A claim can be made for a variety of reasons, including an incident where a policyholder is financially responsible for the damages caused by a covered event, such as a home fire, auto accident, or medical emergency. When making a claim, the policyholder will provide their insurance company with the necessary information, such as proof of damages and any details related to the incident. The insurance company will investigate the claim and determine whether it is covered under the policy. If the claim is approved, the insurer will reimburse the policyholder for their losses. In Washington, policyholders have the right to appeal a denied claim if they believe the insurance company has not acted in good faith. Making a claim can be a complicated process, but it is important for policyholders to understand the details of their insurance policy and the claim process in order to ensure that their claim is handled properly. Washington law provides policyholders with a number of protections and resources to help them understand the claims process and manage their claim.

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