How is an insurance claim investigated?

In Arizona, an insurance claim investigation starts with the filing of the claim. The insurance company will review the claim and contact the claimant, or insured party, to get more information regarding the claim. The insurer may also contact the other parties involved in the claim and any other parties they consider relevant to the claim. The insurance company will then evaluate the claim and the circumstances surrounding it in order to determine if the claim is valid and covered by the policy. If the claim is found to be valid, the insurer will determine the amount of the claim and the terms of payment. The insurer may also investigate the facts of the claim by interviewing witnesses and examining physical evidence. They may contact experts such as doctors or engineers to evaluate the facts of the claim. The insurance company will also conduct background checks and review financial records in order to protect itself from fraudulent claims. They may also consult with attorneys to ensure compliance with laws and regulations regarding insurance claims. Once the insurance company has completed its investigation, it will either pay the claimant or deny the claim. If the claim is denied, the claimant may appeal the decision or file a lawsuit in court. Court proceedings involve the presentation of evidence and arguments from both sides in the dispute.

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