[보험공부] 5 steps of the insurance claims process

 

보험 클레임 프로세스에는 5가지 절차가 있다. 

Navigating the 5 steps

The insurance claim process typically involves five main stages, from the moment you report your loss to the resolution of your claim. You can prepare for the process by gathering relevant documents (think receipts, original invoices and proof of ownership), gathering photos and accounts of the event or damage, and familiarizing yourself with the steps below.

 

보험금 절차는 5가지 메인 절차가 있는데, 우리가 우리의 손실을 보고하는것부터 해당 보험금의 해결까지의 절차가 있다.

관련 서류들을 모으는것부터 절차의 시작이 된다. 예를들면 영수증, Original Invoice, 그리고 증빙서류 등등이다.

Your insurance claim, step-by-step

Connect with your broker. Your broker is your primary contact when it comes to your insurance policy – they should understand your situation and how to proceed. Once you give your broker a detailed list of all the items that were damaged or lost, and any photos or videos that help to explain the circumstances, an adjuster will follow up with you to continue the claims process.

 

먼저 브로커에게 연락한다. 보험 증권상 그들은 어떻게 처리할지 알기 때문에 처음으로 연락할 대상이다. 브로커에 모든 손실된 항목의 리스트를 주면, 손해사정사는 다음 클레임 절차를 이어간다. 

Claim investigation begins. After the claim has been reported, it will need to be investigated by an adjuster to determine the amount of loss or damages covered by your insurance policy. The adjuster will also identify any liable parties, and you can help the process by providing any witness information or other parties’ contact information.

 

그 후, 클레임 조사가 시작된다. 클레임이 보고된 후에는, 손해사정사는 너의 보험 증권을 커버하는 손실이나 손해의 양을 결정한다. 또한 다른 당사자의 정보를 제공함으로 절차를 도울 수 있다.

Your policy is reviewed. Once the investigation is complete, the adjuster will go through your policy carefully to determine what is and isn’t covered under your policy, and inform you of any applicable deductibles that may apply to your case.

보험증권이 리뷰된다. 일단 조사가 완성되면 손해사정사는 우리의 증권을 면밀하게 살피고, 적용 가능한 공제를 알려준다.

Damage evaluation is conducted. In order to accurately evaluate the extent of the damage, your insurance adjuster may hire appraisers, engineers, or contractors to lend their expert advice. Once the evaluation is complete, your adjuster will provide you with a list of preferred vendors to help with repairs. You’re not obligated to hire these vendors, but it can save you a good deal of time and research.

손해 측정이 수행된다. 정확한 양의 손해 정도를 알기 위해, 우리의 손해사정사는 기타 엔지니어나 계약자를 고용한다.

Payment is arranged. After repairs have been completed and lost or damaged items have been replaced, your adjuster will contact you regarding settlement of your claim and payment. The amount of time it takes to receive payment will depend on the complexity and severity of your situation.

보수가 완료되면, 손해된 상품들은 대체되고, 손해사정사는 보험금 및 지불금의 정산에 관해 연락을 할 것이다. 지불받기까지의 시간은 상황이 얼마나 복잡하고 심각한지에 따라 다르다.

 

Every claim is different, and although the claims process can vary slightly according to the situation, your adjuster will devote the time and attention it takes to resolve your particular case. Northbridge Insurance is committed to ensuring every claim is handled as fairly, professionally and as carefully as possible. If you run into questions or concerns during the claims process, you can always contact us on our website or by phone at 1.855.621.6262 to get the answers you’re looking for.

모든 클레임은 다르고, 비록 클레임 절차가 약간씩 다를 수 있지만, 손해사정사는 특정 케이스를 해결하기 위해 시간과 노력을 들일 것이다.