As human beings, we all live at risk. A risk not only represents the possibility to be harmed in any way but the existence of an uncertain event that does not depend exclusively on the will of the policyholder, the insured or the beneficiary. The materialization of a risk is always present, undermining our society, family and friends. To protect themselves from risks, people pay for insurance policies. An insurance policy is nothing but a pact, a contract that forces a company, through the payment of a fee by the insured, to compensate covered and clearly stated damage produced by a third party to the policyholder and any person under contract by extension.
Different companies around the world offer insurance policies. One of the largest and wealthiest insurance companies is called State Farm Insurance, located in Bloomington, Illinois. However, being a wealthy and large company does not necessarily mean an efficient service.
State Farm Insurance is a worldwide famous insurance company for the wrong reasons. State Farm Insurance is often accused of not fulfilling contracts. Furthermore, many customers believe that the company intends not to pay as many claims a possible.
A claim occurs when the affected party requires its counterpart to fulfill the contract signed. However, it is common for many companies to try to cancel or limit the claim to increase their profits. State Farm Insurance appears to be one of these obscure companies.
Customers of State Farm Insurance report how hard it is to communicate with the company when needed. They use computers to handle incomings calls and promise to call back immediately, which just does not happen. It seems to be a traumatic and frustrating experience.
- 1 To effectively collect your insurance and avoid any further problem, it is necessary to have MolinaRangel help you though these steps:
- 2 After receiving your initial claim, with MolinaRangel holding your back, State Farm Insurance will:
- 3 During this step, the State Farm Insurance may adopt any of these three decisions:
- 4 For this reason, MolinaRangel will assist you to:
To effectively collect your insurance and avoid any further problem, it is necessary to have MolinaRangel help you though these steps:
- Call MolinaRangel to guide you and walk you along the whole process.
- Keep calmed: before calling the insurance company, make sure not lose your temper and avoid anger or nervous attacks, check the obvious physical and physical damage, get safe, call for help immediately and, if there is any injured, call emergency services.
- Get information: register all necessary data correctly and have MolinaRangel review it with you. Remember to include every aspect involved, as well as identifications and a brief description of the accident.
- Contact State Farm Insurance: keep your insurance policy around you and call the State Farm not only to report the accident but to be in touch and keep a track of requirements they will ask you to meet.
Keep in mind that you can also request for the assistance you have contracted in your accident insurance, such as housing or transportation services. Review the general and particular conditions of the insurance contract and enforce all the rights granted to you with the help of MolinaRangel.
- Formally present the claim: as State Farm Insurance will require, you must submit a claim statement as soon as possible, accompanied by the original certificate issued by the Police Station with the details of the accident.
Additionally, depending on the damage, you must attach any valid information required. Thus, in the case of compulsory insurance, if there has been any death, you must accompany the death certificate of the victim and the documents that accredit his affiliation with the beneficiaries. If there were injuries, proof of payment of medical expenses and, if any disability occurs, the corresponding medical certificate with the degree and nature of the disability.
- Wait for Payment terms: once the claim is filed, State Farm Insurance should pay the compensation to the beneficiaries within ten (10) days. In the case of damage to the vehicle, you must send an expert to evaluate them and authorize the repair in the workshop that you choose (which you can also select from a list that State Farm Insurance provides you). Remember that, in addition to material damages and injuries, it is possible to claim, depending on the policy of your accident insurance, the loss of wages and emotional suffering.
After receiving your initial claim, with MolinaRangel holding your back, State Farm Insurance will:
- Open a file: after learning about the incident, State Farm Insurance will open a file to which all the information and data obtained in the process is subsequently incorporated.
- Assess the accident: at the same time the file is opened, the insurer of State Farm Insurance will set a first assessment of the cost.
- Investigate your case: along with the first check, the insurer of State Farm Insurance intends to know if the operation should continue until the end of the claiming management or just terminate the process.
During this step, the State Farm Insurance may adopt any of these three decisions:
- The loss is not covered: the refusal is reported.
- It is a clear situation of insurance coverage. proceeds to indemnify the insured and close the file.
- If the case presents complexities, it must continue with the processing of the incident.
- Contact a proficient: the proficient is a professional expert in the field to whom State Farm Insurance entrusts the task of assessing the consequences of the accident and analyzing its possible causes. The decision of State Farm Insurance about the acceptance or not of the loss depends to a large extent on the report that the proficient provides.
- Set an answer to your claim: once investigation is completely fulfilled, the cost of the accident has been assessed and the compensation estimated (if applicable) has been fixed, State Farm Insurance will adopt one of the following decisions:
- Pay the corresponding compensation or benefit.
- Pay the indemnity and cancel the insurance contract when it expires. It is a legal possibility and, therefore, can be applied to all policies. In some cases, the contract is terminated by decision of State Farm Insurance.
However, it is also possible for the insured to finish the contract. Sometimes, the contract might expire by itself when the risk or object to protect disappears (for example, a travelling insurance finishes as soon as the travelling ends).
- Refuse to pay compensation: occurs when State Farm Insurance is certain that the loss can be rejected in accordance with the conditions of the policy. State Farm Insurance must provide solid evidence that leads the company to make this decision and communicate it to the insured.
As previously stated, State Farm Insurance avoids paying valid claims when possible. Even if your claim is right, State Farm Insurance may reject it in order to save money.
For this reason, MolinaRangel will assist you to:
- Estimate existing insurance policies in order to set a valid claim.
- Explore, detail, and record any damage dealt to your property.
- Calculate the interruption of your activities and ask for retribution.
- Set values for covered damage.
- Prepare, record and support your claim.
- Negotiate a settlement in your favor with State Farm Insurance.
- Re-open a claim and agree for more money if a discrepancy is found after the claim has been settled.
MolinaRangel knows the way State Farm Insurance works. As result, MolinaRangel is fully qualified to face State Farm Insurance and make your claim as valid and true as it should.