Insurance Institute of Michigan
September 18, 2018

Settling a Claim

The Steps of Filing a Claim

  1. Call your insurance agent as soon as possible.  Find out whether you’re covered for this loss.  Even if the accident appears minor, it is important that you let your insurance company know about the incident.
  2. Ask your agent or company representative how to proceed and what forms or documents are needed to support your claim. Your insurance company will require a “proof of claim” form and, if there is one, a copy of the police report.
  3. After alerting your insurance representative of a claim, take necessary steps to prevent further damage.  If it is a claim relating to your property, make sure to cover holes in roof, walls, doors and windows with plastic or boards.  Make sure not to risk your own safety in making the repairs, however.  Also, it is important to keep an accurate list of supplies purchased for emergency repairs.
  4. Supply the information your insurance company requests.  Fill out the claim form carefully. Keep good records.  Get the names and phone numbers of everyone you speak with and copies of any bills related to the accident.
  5. Use reputable companies for all repairs.  Ask the contractor to thoroughly identify the work to be performed, as well as the estimated cost.  Also, ask for a warranty on the work.

If you have questions about your coverage or a specific loss, call your insurance agent.  However, if consumers have general insurance questions or need help resolving a problem with an insurance company, they can call the Michigan Insurance Information Hotline at 1-800-555-8007.  The toll-free service is operated 8:30 a.m. to 4:30 p.m. Monday through Friday.  Insurance consultants provide consumers with quick access to information on all types of insurance or provide assistance when they have a problem with their own insurance company.

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