Create a contact log
For each call or message, record the date, person, company, claim number, topic, requested documents, and next step. Keep copies of what you send. Read your own policy and declarations page.
Be precise
Describe what you know. Avoid speculating about a diagnosis, fault, or recovery timeline. If you do not understand a request, ask for an explanation in writing. Before signing a release, understand exactly which claims it resolves.
California consumer help
The California Department of Insurance publishes a claim guide and accepts requests for assistance concerning insurers. Its guide also summarizes response and claim-handling timeframes. Different facts and coverages can change the analysis.
Call 911 or seek urgent care for severe or worsening symptoms, trouble breathing, confusion, weakness, loss of sensation, or any emergency. This site cannot assess your condition.