How is an insurance claim investigated?

An insurance claim investigation in Florida involves a process to uncover the facts of an incident that has been reported to an insurance provider. The first step in the process is for the insurance company to decide if they need to investigate the claim. Once they make this decision, they will assign a claims adjuster to collect all relevant information, including police reports, witness statements and other evidence. The claims adjuster will then review the evidence to determine if the claim is valid. This typically includes evaluating the insurance policy to make sure the claim falls within the scope of coverage. If so, they will try to determine the cause of the incident, and who is liable for the damages. The adjuster may also contact medical providers for information to evaluate medical claims. The adjuster may contact the insured person directly to request information and to explain the claims process. The adjuster may also use a third-party investigator to locate evidence. This investigator may look for video, photographs or other physical evidence that could shed light on the cause of the incident and the damages incurred. Once the adjuster has gathered enough evidence, they will make an assessment regarding the validity of the claim and the amount of benefits to be paid. This decision will be based on the information collected during the investigation.

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