How is an insurance claim investigated?

When an insurance claim is filed in Washington, an investigation is launched by the insurer to assess the validity of the claim. During the investigation, insurers will check the policy holder’s records to ensure that the claim has been properly filed and is within the scope of the policy. They will also assess the amount of damage or loss, and verify any facts provided by the policy holder. The insurer may also contact other parties involved in the incident and obtain additional information to help assess the claim. For example, if the claim involves a car accident, the insurer may ask for a statement from the other driver or any eyewitnesses. In some cases, the insurer may also assign an experienced investigator to the case. This professional will review the claim and may visit the scene of the incident to look for evidence and collect additional information. Finally, after the investigation is complete, the insurer will decide whether to pay the claim, deny it, or offer only a partial settlement. If the claim is denied, the policy holder has the right to appeal the decision. The insurance company must provide an explanation for their decision and the policy holder can ask for additional information to support the decision.

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How is an insurance claim investigated?

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