When dealing with your insurance company, perhaps after suffering property damage or when involved in an accident with an uninsured motorist, you need to pay attention to what the agent(s) tell you. While the company may have promised to cover you when you file a claim, it may make it difficult for you to receive a fair payout or anything at all.
You may need to take other measures to be justly compensated. Therefore, it’s crucial to document any communication you have with the company.
Here is how you can document your conversations:
Record names
When speaking with your insurer’s agent, write down their name. This way, it can be easier to identify who handled your case or provided you with a certain detail.
Write down dates
Record the date and time of each conversation you have with your insurer.
Document information provided to you
Try as much as possible to communicate with your insurer using written channels, such as emails or texts, as they can be easily documented. You can print them out and place them in a paper record or copy and paste them into an electronic record.
When it comes to conversations via phone calls, generally speaking, the insurance company will ask for your permission to record them. Thus, you should document it as well.
Ask for the name of the person you are speaking to and write it down. Record the date and time and write down what you discuss in the phone call. It can be beneficial to request the agent to send a follow-up email with all the details you discussed.
Not keeping detailed records of your conversations with your insurer can disadvantage you. If you believe the company is acting in bad faith, get legal help to try and receive what it promised.