How a claim works

From the first phone call to the check, in plain words.

Step 1

Insurers are told about the claim, and evidence is requested.

Step 2

You recover; records and bills are gathered.

Step 3

A written demand explains the injuries and asks for payment, sometimes as a time-limited demand.

Step 4

Offers and counteroffers.

Step 5

Filed before the deadline.

Step 6

Settlement statement, liens paid, net amount to you.

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