What are the legal requirements for filing an insurance claim?

In California, there are specific legal requirements for filing an insurance claim. First, the claimant must have a valid insurance policy that was issued before the date and time of the incident that caused the damage, loss, or injury. Second, the claimant must file a written notice to the insurance company within a reasonable period of time not to exceed 90 days. This written notice should include the date and time of the incident, the type of coverage, the type of loss, and a description of the damages or injury. Third, the claimant must submit any documentary evidence that the insurance company has requested and allowed for review. This could include photographs, a police report, or medical records. Finally, the claimant must sign any documents required by the insurance company, whether in person or online. Depending on the type of claim, the insurance company may conduct an investigation and/or require an appraisal to verify the claim. Once the claimant has met all of these requirements, the insurer is legally obligated to pay the claim or provide the services specified in the policy.

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What are the legal requirements for filing an insurance claim?

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