Claim setup checklist
Keep the conversation factual and tied to the written policy, claim correspondence and documents you can verify.
- Locate the declarations page and relevant policy documents
- Use the insurer's official reporting channel
- Save the claim number and representative contact details
- Ask which coverage and next steps are being considered
- Send copies rather than your only original when practical
- Request explanations for forms or decisions you do not understand
Claim folder
Save originals and maintain a short communication log so requests, promises and open questions do not disappear across calls.
- Policy and declarations
- Claim notices and reference numbers
- Communication log
- Report and evidence copies
- Medical and expense records
- Vehicle estimate, repair, rental or valuation records
Questions worth asking
Ask who the representative works for, what information is requested, why it is needed, what coverage is being evaluated and when you should expect the next update.