A recent employment article on protecting employee rights raised an interesting question. How do you protect yourself when dealing with big businesses? The best way is to think like a big business.
Insurance companies keep a paper or electronic trail of every transaction, claim, complaint or communication with their customers. If you have an insurance claim, you need to do the same thing. From the very beginning of your claim, record every communication.
It is especially important to keep notes regarding telephone conversations with insurance company adjusters or employees. Keeping good notes also helps you establish a timeline in the event you ever need to seek legal help with your claim.
Your insurance company has a duty to resolve your claim both fairly and quickly. Sadly, this rarely happens. By keeping good notes and establishing a timeline you can prove that any delays in the claim process were caused by the company, not you.
Finally, if you ever have to file a complaint with your state Department of Insurance to protect your rights, your notes will be invaluable. Remember, insurance is a business and you need to work to protect your rights. A little bit of knowledge goes a long way.