Insurance Claim Documentation Request

Summary

In Missouri, you can request copies of your insurance claims from your insurer. Proof of a claim includes documentation such as police reports, photos, and repair estimates. If you believe a claim was wrongly filed, request written documentation from your insurer. If denied, contact the Missouri Department of Insurance for assistance.

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if i ask the claoims adjuster to send me copys of claims I filed on my auto policy is there any law that requires them to do so?
Hi Vickie! In Missouri, you generally have the right to request copies of your insurance claims. It’s often a good idea to make your request in writing to the claims adjuster. If they refuse, you may contact the Missouri Department of Insurance for further assistance.
Do you need more information on how to file this request?
so what is concidered proof of a claim?
Hi Vickie! Proof of a claim typically includes any documentation or evidence that supports your claim. This can include:
- Police reports
- Photos of damage
- Repair estimates
- Medical bills (if applicable)
- Witness statements
Do you need more details on any specific type of documentation?
no. what is proof that I filed a claim? the adjuster said i filed a claim on my insurance and I know i did not because the other party paid *% so what would be their proof i filed a claim for rental car reimburcement
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To verify whether you filed a claim, the insurance company should provide:
- Written documentation of the claim submission.
- Any correspondence or communication related to the claim.
- The claim number and details logged in their system.
You may formally request this information from the adjuster or the insurance company.
they state because I asked If I use my rental policy would my rates go upp as filing a claim/. asking a question is not filing a claim
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Hi Vickie! It sounds like there might be some confusion regarding what constitutes filing a claim. If you simply asked whether using your rental policy would affect your rates, that should not be considered filing a claim.
A few steps you can take:
- Request written documentation from your insurance company that shows the claim being filed.
- Contact the Missouri Department of Insurance if your insurance company cannot provide this documentation.
Would you like more detailed guidance on how to proceed with your request?
sure
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To proceed with your request:
*. Draft a formal letter to your insurance company requesting the written documentation of the supposed claim.
*. Include all relevant details and mention that asking a question should not be considered a claim.
Would you like help drafting this letter?
I got it
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It looks like you have a good understanding of how to proceed. If you need any further assistance in the future, feel free to reach out. Best of luck with resolving your situation, Vickie!
ty
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You're welcome, Vickie! If you have any more questions or need further assistance in the future, don't hesitate to reach out. Have a great day!