How Can You Advocate for Clients During Claims Processes?

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    How Can You Advocate for Clients During Claims Processes?

    When navigating the complexities of the insurance claims process, professionals often find themselves in the role of client advocates. One recounts securing an 80% higher settlement, while others offer additional answers, including the importance of maintaining open client communication, providing a broader spectrum of strategies employed during critical times. From seasoned agents to founders, this article offers a glimpse into the tenacity and dedication required to ensure fair client representation.

    • Thoroughly Examine Details to Build Stronger Case
    • Increase Settlement with Meticulous Documentation
    • Be Persistent and Assertive With Insurance Adjusters
    • Cite Legal Precedents for Stronger Claims
    • Project Confidence with Strategic Patience
    • Maintain Open Client Communication

    Thoroughly Examine Details to Build Stronger Case

    When a storm devastated a client's home, the insurance company's initial offer fell far short of the repair costs. They cited technicalities in the policy, but I wasn't ready to give up. By thoroughly examining policy details and gathering detailed damage assessments, I built a strong case for my client. My clear communication and persistent advocacy paid off. We secured a settlement that was a whopping 80% higher than the initial offer.

    Nick Schrader
    Nick SchraderInsurance Agent, Texas General Insurance

    Increase Settlement with Meticulous Documentation

    When an insurance company undervalued a client's property damage claim, I stepped in to advocate for what was fair. Through meticulous work, I gathered all the necessary documentation—the key to a strong case. My persistent communication with the adjuster ensured they understood the full extent of the damage. This resulted in a significant increase in the settlement amount, accurately reflecting the repairs needed. Seeing my client receive fair compensation was truly rewarding.

    Amber Benka
    Amber BenkaInsurance Agent, California Business Insurance

    Be Persistent and Assertive With Insurance Adjusters

    One time, I had to advocate for a client during a particularly challenging auto insurance claim. The situation involved a client who was not at fault, but was facing difficulties with the other party's insurance company.

    They were dragging their feet, delaying the process, and offering an unfairly low settlement. I took the initiative to compile all necessary documentation, including medical reports and accident details. I contacted the insurance adjuster daily, pushing for quicker action. When the initial settlement offer was too low, I presented additional evidence and negotiated firmly.

    In the end, we secured a fair settlement that covered all medical expenses and car repairs, helping my client through a very tough period.

    Samuel Greenes
    Samuel GreenesFounder, BLUE Insurance of New Jersey

    Cite Legal Precedents for Stronger Claims

    Another strategy is to draw upon legal precedents that may align closely with the client's situation. By researching historical cases with similar circumstances and outcomes, advocates can establish a stronger foundation for the current claim. Citing previous legal decisions helps in highlighting the legitimacy of a claim, and influences the decision-making process.

    A strong argument often has roots in established legal outcomes, and these can serve as guideposts for fair consideration of a new case. Put in the time to review similar cases, and use those insights to fortify your client's position.

    Project Confidence with Strategic Patience

    Employing strategic patience can be an invaluable asset in the claims process. Quick resolutions are not always in the best interest of the client. Sometimes, it is important to create space for all evidence to be considered and for negotiations to reach a mature point.

    Patience can also demonstrate confidence in the client's position, suggesting that time will only add strength to their claim. Encourage your clients to understand the value of patience as their claims are meticulously reviewed and addressed.

    Maintain Open Client Communication

    Keeping the lines of communication open with claimants is crucial throughout the entire claims process. Continuous updates provide reassurance to the client, and help maintain transparency regarding the status of their claim. It is important that the client feels supported and informed at every step; by doing so, any additional information needed can be swiftly provided, ensuring the claim does not stall.