Frequently Asked Questions About Filing a Claim with Travelers Insurance

Car accidents can leave you with physical bodily harm, extensive destruction to your personal property, and an inability to get back to living the life you once lived before the accident happened. Complicating everything is filing a claim with the insurance company to obtain the compensation you need for all of your losses. This is because the injury claims process is rarely easy and can be an additional stressor that you have to deal with. Still, it is usually true that the way to obtain compensation for financial losses is by filing a claim, and regardless of how emotional and challenging it can be, it is often a necessary action to take.

If you are filing a claim with Travelers Insurance after a car accident in New Jersey or Pennsylvania, and especially if you have never had to go through the claims process before, you may have many questions. This article addresses some of the most common questions that claimants have when filing with Travelers insurance.

For questions about filing an injury claim in New Jersey or Pennsylvania and for legal support and representation, you are welcome to call our auto accident lawyer at Monaco Law PC.

 Why File an Insurance Claim with Travelers

It is necessary to file a claim if you need to obtain financial compensation from Travelers. When successful, the claims process should result in full and fair compensation to cover monetary losses. How much you receive from your claim will be based on how extensive your damages are, the details of your policy, and whether you or another party was responsible for your accident.

You can file a claim online http://www.travelers.com/claims/file-claim or call 1-800-252-4633. An insurance claim representative will be assigned to manage your case and communicate with you about your case. Also, you will receive a case number that will help you track the progress of your case.

 Is a Police Report Necessary to File a Claim?

You do not need to have a police report to file a claim with Travelers insurance. Although it is important to note that, despite this, having one can still benefit your case. Police reports can be used as evidence supporting your claim and helping you show what happened and can even be used to resolve discrepancies or disputes that the other drivers in your accident put forth.

 Will Your Premiums Increase if You File a Claim?

Insurance providers always assess and reassess the risk profiles of those they insure. If you file a claim that is entirely paid by your insurance, then there is a good chance that you will have your rate increased. Although, if you file a claim where your insurance is able to recover damages from another liable party’s insurance, then a rate hike may not occur.

 Can Travelers Deny Your Claim?

It is possible your claim could be denied. While this is not the ideal situation to be in, it is essential to understand that denial does not always mean that you are out of options when it comes to obtaining compensation. You might be able to appeal and recover the money you are owed.

It is not uncommon for claims to be denied because they are not supported by ample evidence or, perhaps, a policy does not cover the incident for which the claim has been filed. The claims process can be tricky, and if you start a claim alone, you could risk losing out on obtaining full compensation for your damages. This is why it can be beneficial to have an attorney assisting you throughout each stage of the process, helping things go more smoothly and with as little stress as possible.

 Speak to a New Jersey and Pennsylvania Personal Injury Attorney Today

To protect yourself during the claims process and to ensure you can obtain a full recovery of your damages, please call our wrongful death and personal injury lawyer at Monaco Law PC at (609) 277-3166 for our New Jersey office and (215) 546-3166 for our Pennsylvania office to discuss your case today.

We are a New Jersey and Pennsylvania personal injury law firm serving Atlantic County, Bucks County,  Burlington County, Cape May County, Camden County, Chester County, Cumberland County, Delaware County, Gloucester County, Mercer County, Middlesex County, Monroe County, Montgomery County, Philadelphia, Ocean County, Salem County, Susquehanna County and all of New Jersey.

Source:

travelers.com/claims/file-claim