The Umbrella Insurance Claims Process: What You Need to Know

Hopefully, you’ll never need to use it, but an umbrella insurance policy is an excellent preventative measure to protect you and your loved ones in unforeseen circumstances. This kind of policy is a lifesaver. It comes in handy when someone sues you for damages your standard policy, whether auto or homeowner insurance, doesn’t cover. Plus, tapping into it isn’t as complicated as you think. The claims process is as follows:

1. Contact your insurance company: It’s important you inform your insurance company as soon as an incident happens that might lead you to a claim.
2. Fill out a claim form: Your next step is to complete the form your insurance company provides and fill it in with your necessary personal information about the accident.
3. Gather and document evidence: Do your due diligence and find all the relevant information and evidence you need for your claim.
4. Talk to an insurance adjuster: After you file your paperwork, an insurance adjuster will contact you to discuss the claim details.
5. Claim approval and payment: After your claim is approved, umbrella insurance will cover the incurred costs, including legal fees. 

It’s important to note that, typically, someone will file an umbrella insurance claim against you once the liability limits on your policies are exhausted. That’s why it’s important, more than ever, for you to read your umbrella insurance policy front to back. This will help you better understand your policy coverage, deductibles, and liability limits. If you live in Parkersburg, WV, and have more questions, contact our friendly and knowledgeable agents at Curtis Miller Insurance. We’re more than happy to provide guidance about your umbrella insurance or any other policies you have.