How to file a quick and easy insurance claim is a question many face. Navigating the often complex world of insurance can be daunting, but understanding the process can significantly reduce stress and expedite reimbursements. This guide provides a straightforward approach, walking you through each step from understanding your policy to following up on your claim, empowering you to handle the process with confidence and efficiency.
We’ll cover essential aspects like gathering necessary documentation, choosing the best reporting method (phone, online, or mail), and completing the claim form accurately. We’ll also address potential delays, common reasons for claim denials, and strategies for appealing a denied claim. By the end, you’ll be equipped to handle your insurance claim with ease and know what to expect at every stage.
Understanding Your Insurance Policy
Before you can file a quick and easy insurance claim, it’s crucial to understand the details of your insurance policy. This involves knowing what’s covered, what’s excluded, and how to find the relevant information when you need it. Familiarizing yourself with your policy now will save you time and frustration later.Locating Relevant Claim Information in Your PolicyTo efficiently find the necessary information, systematically review your policy document.
Most policies are structured similarly, beginning with a declaration page summarizing key details like your coverage amounts and policy period. Following this, you’ll find sections detailing specific coverages (e.g., liability, collision, comprehensive). Each section will Artikel the terms and conditions, including what events are covered and any limitations. For example, a section on “Property Damage” might specify the process for filing a claim for damage to your vehicle.
A comprehensive index or table of contents can greatly assist in navigating the document. Always keep a digital copy of your policy for easy access.
Common Policy Exclusions Affecting Claim Processing
Several common exclusions can significantly impact the speed and outcome of your claim. Understanding these beforehand is essential. For example, many policies exclude coverage for damage caused by wear and tear, acts of God (like earthquakes or floods, unless specifically covered by endorsements), or intentional acts. Similarly, driving under the influence of alcohol or drugs often voids coverage.
Policies might also exclude certain types of vehicles or equipment, or impose limitations on coverage amounts for specific incidents. Review your policy carefully to identify these exclusions and understand their implications.
Verifying Coverage for a Specific Incident
Once an incident occurs, carefully review your policy to verify coverage. Let’s say your car was damaged in a hailstorm. You would first locate the section on “Comprehensive Coverage” in your policy. This section typically covers damage caused by events outside your control, such as hailstorms. Then, you would check if there are any exclusions related to hail damage (there usually aren’t).
If the policy clearly covers comprehensive damage, and the incident falls within the scope of the policy’s terms, you can proceed with confidence. However, if there’s any ambiguity or uncertainty, contacting your insurance provider directly is advisable to clarify coverage before filing a claim. They can provide a definitive answer and guide you through the claims process.
Gathering Necessary Documentation
Submitting a complete and accurate set of documents is crucial for a smooth and efficient insurance claim process. The quicker you provide the necessary information, the faster your claim can be processed and resolved. Failing to provide complete documentation can lead to delays and potentially affect the outcome of your claim.Providing comprehensive documentation demonstrates your commitment to the claims process and helps your insurer understand the details of your situation clearly.
This prevents misunderstandings and ensures a fair assessment of your claim.
Essential Documents Checklist
A well-organized collection of documents will significantly expedite the claim process. This checklist Artikels the typical documentation required for most insurance claims. Remember to check your specific policy for any additional requirements.
- Claim Form: This is usually the first document you’ll need to complete, providing basic information about the incident and your policy details.
- Proof of Insurance: Your insurance policy declaration page or a copy of your policy document.
- Police Report (if applicable): For incidents involving accidents, theft, or vandalism, a police report is often required.
- Photographs/Videos: Visual evidence of the damage or incident significantly aids in assessing the extent of the loss. Take multiple photos from various angles.
- Repair Estimates: Obtain written estimates from reputable repair shops or contractors detailing the necessary repairs and their costs.
- Medical Records (if applicable): For health insurance claims, detailed medical records, including doctor’s notes, test results, and treatment plans are essential.
- Receipts and Invoices: Keep all receipts related to expenses incurred as a result of the incident. This could include medical bills, repair bills, or temporary housing costs.
- Witness Statements (if applicable): If there were witnesses to the incident, their contact information and written statements can be helpful.
Sample Claim Document Organization Form, How to file a quick and easy insurance claim
Using a form to organize your documents ensures nothing is missed and simplifies the submission process. This sample form can be adapted to suit your specific needs.
| Document Type | Description | Location/Attached? |
|---|---|---|
| Claim Form | Completed claim form | Yes |
| Proof of Insurance | Policy declaration page | Yes |
| Police Report | Copy of police report (if applicable) | Yes |
| Photographs | Digital images of damage | Yes |
| Repair Estimate | Detailed repair estimate | Yes |
| Medical Records | Doctor’s notes and test results (if applicable) | Yes |
| Receipts | Copies of all relevant receipts | Yes |
| Witness Statements | Written statements from witnesses (if applicable) | Yes |
Reporting the Incident
Promptly reporting your incident is crucial for a smooth and efficient claims process. The method you choose will depend on your insurer’s preferences and your personal comfort level. Several options are generally available, each with its own advantages and disadvantages.
Most insurance companies offer a variety of ways to report an incident, allowing you to choose the method best suited to your needs and circumstances. Consider factors such as the urgency of the situation, the complexity of the details, and your access to technology when making your decision.
Reporting Methods
Three common methods for reporting an insurance incident include phone calls, online portals, and emails. Each method has its own benefits and drawbacks.
| Method | Advantages | Disadvantages |
|---|---|---|
| Phone Call | Immediate confirmation, allows for clarification of details, potentially faster processing. | Requires immediate availability, potential for miscommunication, may involve longer wait times. |
| Online Portal | Convenient, available 24/7, provides a record of the report, often allows for uploading supporting documentation. | Requires internet access and familiarity with technology, may lack immediate human interaction. |
| Provides a written record, allows for attaching supporting documents, convenient for non-urgent situations. | Slower response time compared to phone calls, potential for miscommunication due to lack of immediate feedback, may not be suitable for urgent situations. |
Sample Phone Call Script
When reporting an incident by phone, clear and concise communication is key. A well-structured call ensures all necessary information is relayed efficiently.
“Hello, my name is [Your Name] and my policy number is [Your Policy Number]. I am calling to report [briefly describe the type of incident, e.g., a car accident, a theft]. The incident occurred on [Date] at approximately [Time] at [Location]. [Briefly describe the incident, including any injuries or damages]. I would like to begin the claims process immediately. Please let me know what steps I need to take next.”
Filing the Claim Online
Filing an insurance claim online offers a convenient and efficient alternative to traditional methods. Many insurance providers now offer user-friendly online portals designed to streamline the claims process. This section will guide you through the typical steps involved in submitting your claim digitally.Many insurance companies provide detailed instructions and FAQs on their websites. Familiarizing yourself with these resources beforehand can significantly simplify the process.
Online Claim Form Information
Online claim forms typically request a comprehensive range of information to accurately assess your claim. This information helps expedite the process and ensures a smooth claim resolution. The specific information required may vary slightly depending on your insurance provider and the type of claim.
- Policy Information: This includes your policy number, the effective date of your policy, and the name of the insured. Accurate entry is crucial for the correct identification of your policy.
- Personal Information: You will be asked to provide your full name, address, phone number, and email address. This information is used for communication purposes.
- Incident Details: A detailed description of the incident is required, including the date, time, and location of the event. You should also explain the circumstances that led to the incident and any contributing factors.
- Damage Assessment: You will need to describe the extent of the damage or loss. This may involve providing details about damaged property, medical expenses, or lost wages, depending on the type of claim.
- Supporting Documentation: The online form will likely require you to upload supporting documents such as photographs of the damage, police reports, medical bills, or repair estimates. Ensure that the documents are clear and legible.
- Contact Information: You will need to provide contact information for witnesses, if any, along with their relationship to the incident.
Step-by-Step Online Claim Filing Process
The following steps Artikel a typical online claim filing process. Remember that the specific steps and interface may vary slightly depending on your insurance provider.
- Access the Online Portal: Log in to your insurance provider’s website and navigate to the claims section. This usually involves finding a prominent “File a Claim” or similar button. A screenshot of this would show a website homepage with a clearly labeled button or link leading to the claims section.
- Select Claim Type: Choose the appropriate claim type from the available options (e.g., auto, home, health). A screenshot here would display a dropdown menu or a series of buttons representing different claim types.
- Complete the Claim Form: Carefully fill out the online claim form, providing accurate and complete information in each field. A screenshot of this would show a multi-page form with various input fields for policy details, incident information, and supporting documents.
- Upload Supporting Documents: Upload the required supporting documents as specified in the form. A screenshot would show an area of the form with an option to “Browse” or “Upload” files from your computer.
- Review and Submit: Before submitting, thoroughly review all the information provided to ensure accuracy. A screenshot would depict a summary page showing all the entered information, allowing for final review and corrections before submission.
- Claim Confirmation: Once submitted, you will typically receive a confirmation number and a summary of your claim. A screenshot would show a confirmation page with a claim number and a summary of the submitted information.
Filing the Claim by Mail
Filing a claim by mail is a straightforward alternative to online submission. This method is particularly useful for individuals who prefer a paper-based process or lack reliable internet access. It involves completing a claim form and sending it to your insurance provider via postal mail. Accurate and complete information is crucial for a smooth and efficient claims process.
Properly completing and mailing your claim form ensures your insurance company receives all necessary information to process your claim effectively. Incomplete or inaccurate forms can lead to delays and may require additional communication, prolonging the claim settlement process. This section will provide a sample claim form and guidance on best practices for mailing your claim.
Sample Claim Form for Mail Submission
The following is a sample claim form. Your insurer’s actual form may vary, so always refer to the form provided by your insurance company. This example illustrates the typical information required.
| Field Name | Description |
|---|---|
| Policy Number | Your unique insurance policy identification number. |
| Insured’s Name | The name of the policyholder. |
| Date of Incident | The date the incident occurred. |
| Location of Incident | The address where the incident took place. |
| Description of Incident | A detailed account of what happened, including all relevant circumstances. |
| List of Damaged Property/Injuries | A comprehensive list of all items damaged or injuries sustained. |
| Estimated Value of Damages | Your estimate of the cost to repair or replace damaged items. |
| Supporting Documentation Attached | A checklist of all supporting documents included (e.g., photos, repair estimates). |
| Insured’s Signature | Your signature confirming the accuracy of the information provided. |
| Date | The date you signed the form. |
| Mailing Address | Your mailing address. |
| Phone Number | Your phone number. |
| Email Address | Your email address (optional). |
Best Practices for Mailing Your Claim Form
To ensure timely delivery and avoid potential issues, follow these best practices when mailing your claim form:
Use Certified Mail with Return Receipt Requested: This provides proof of mailing and delivery, protecting you in case of any disputes regarding receipt of your claim. Consider this a valuable investment in the security of your claim.
Maintain Copies of All Documents: Keep copies of your completed claim form and all supporting documentation for your records. This will be helpful if you need to reference the information later. Digital copies are highly recommended for easy access.
Use a Secure Mailing Method: Ensure your claim form and supporting documents are securely packaged to prevent damage during transit. Consider using a sturdy envelope and protecting any sensitive documents within.
Track Your Mailing: If your postal service offers tracking, utilize it to monitor the progress of your mailed claim. This allows you to confirm receipt and address any delays promptly.
Following Up on Your Claim: How To File A Quick And Easy Insurance Claim
After submitting your insurance claim, it’s natural to want to know its status. Regularly following up demonstrates your engagement and can help ensure a smoother claims process. Proactive follow-up can prevent delays and potential misunderstandings.Following up on your insurance claim involves understanding the appropriate channels for contact and employing effective communication strategies. Remember to always maintain a polite yet firm tone, ensuring your requests are clear and concise.
Contacting Your Insurance Provider
Several avenues exist for checking on your claim’s progress. These include contacting your insurance provider via phone, email, or through their online portal. Each method offers varying levels of convenience and speed of response. Using the online portal, if available, often provides the quickest access to claim updates.
Effective Communication Strategies
When contacting your insurance provider, it’s crucial to be prepared. Have your claim number readily available, along with any relevant documentation you may have previously submitted. Clearly state your purpose for contacting them, and politely inquire about the claim’s current status and anticipated timeline for resolution. Avoid accusatory language, and maintain a professional and courteous demeanor throughout the interaction.
Examples of Polite and Firm Inquiries
Instead of saying, “Why is my claim taking so long?”, a more effective approach might be: “I am writing to inquire about the status of my claim, number [claim number]. I understand these processes take time, but I would appreciate an update on its progress and an estimated timeframe for resolution.” Similarly, instead of demanding, “I need an immediate response!”, a more suitable phrasing would be: “I would be grateful for an update on my claim at your earliest convenience.
Please let me know if any further information is required from my end to expedite the process.” Remembering to maintain a respectful tone, even when expressing concern, is crucial for a positive outcome.
Understanding Claim Processing Times
Insurance claim processing times vary significantly depending on several factors. Understanding these factors and typical processing durations can help you manage your expectations and proactively address any potential delays. This section will explore the variables influencing claim processing speed, common processing times for different claim types, and strategies to minimize delays.
Factors Influencing Claim Processing Speed
Several factors can influence how quickly your insurance claim is processed. These include the complexity of the claim, the completeness of the documentation provided, the responsiveness of the claimant, and the insurer’s current workload. A straightforward claim with readily available documentation will typically process faster than a complex claim requiring extensive investigation or verification. Similarly, insurers with high claim volumes may experience longer processing times.
Typical Processing Times for Different Claim Types
Processing times differ depending on the type of claim. Auto claims, for example, often involve appraisals of vehicle damage and negotiations with repair shops, leading to processing times ranging from a few days to several weeks. Homeowners insurance claims, particularly those involving significant property damage, can take much longer, sometimes extending to several months, due to the complexities of assessing damage and coordinating repairs.
Health insurance claims, especially those requiring pre-authorization or involving complex medical procedures, also tend to have variable processing times, ranging from a few days to several weeks, depending on the specific circumstances and the insurer’s processes. Simple claims, such as those for reimbursement of routine medical expenses, are typically processed more quickly.
Potential Delays and Mitigation Strategies
Potential delays can arise from various sources. Incomplete or inaccurate documentation is a common cause of delay. Failure to promptly respond to insurer requests for additional information can also significantly prolong the process. Complex claims requiring extensive investigation, such as those involving fraud or significant disputes, inevitably take longer. Furthermore, unforeseen circumstances such as natural disasters or internal insurer issues can lead to unexpected delays.To mitigate potential delays, ensure you submit a complete and accurate claim with all necessary documentation from the outset.
Respond promptly to any requests for further information from your insurer. Maintain clear and open communication with your insurance adjuster throughout the process. Consider obtaining professional assistance, such as a public adjuster, for complex claims, especially those involving significant losses. For example, if a homeowner experiences extensive damage after a hurricane, having a public adjuster manage the claim process can help expedite the process by ensuring all necessary documentation is provided efficiently and all communication is clear and effective.
Proactive communication and thorough preparation can greatly reduce the likelihood of unnecessary delays.
Common Claim Denial Reasons
Understanding why your insurance claim might be denied is crucial for a smooth claims process. Knowing the common reasons and how to address them can save you time and frustration. This section Artikels frequent causes for denial and provides strategies for effective resolution.
Policy Exclusions
Insurance policies contain exclusions, which are specific events or circumstances not covered. These exclusions are clearly stated in your policy document. For example, a standard homeowner’s insurance policy might exclude damage caused by flooding unless you have purchased a separate flood insurance policy. Similarly, wear and tear is generally not covered. If your claim falls under a policy exclusion, the insurer will likely deny it.
To address this, carefully review your policy’s exclusions before filing a claim. If you believe the denial is incorrect due to a misunderstanding of the policy, seek clarification from your insurer and, if necessary, consult with an attorney specializing in insurance law.
Lack of Proper Documentation
Insufficient or missing documentation is a major cause of claim denials. Insurers require specific documents to verify the details of your claim. This may include police reports for theft or accidents, repair estimates, receipts for expenses, and photographs of the damaged property. If you fail to provide the necessary documentation, your claim will likely be denied. To avoid this, meticulously gather all relevant documentation before submitting your claim.
Maintain organized records and ensure all information is accurate and complete. If you are missing a specific document, contact the relevant authorities or service providers immediately to obtain it.
Failure to Report the Incident Promptly
Most insurance policies have reporting deadlines. Failing to report the incident within the stipulated timeframe can lead to claim denial. For instance, a car accident should be reported to your insurer as soon as possible, usually within 24-48 hours. Delays can raise suspicion and make it difficult to verify the details of the incident. To prevent this, always report incidents to your insurer promptly.
Keep a record of when and how you reported the incident. If you experience a delay due to unforeseen circumstances, contact your insurer immediately to explain the situation.
Pre-existing Conditions
In some cases, claims may be denied if the damage is attributed to pre-existing conditions. For example, if you file a homeowner’s insurance claim for roof damage, and the insurer determines that the damage was caused by gradual deterioration rather than a sudden event like a storm, the claim might be denied. This is because the damage was already present before the policy started or before the covered incident occurred.
To address this, it’s crucial to maintain thorough records of your property’s condition and any previous repairs. This documentation can help establish the timing and cause of the damage.
Fraudulent Claims
Submitting a false or exaggerated claim is a serious offense that will result in claim denial and potential legal repercussions. Insurance fraud includes misrepresenting the facts, inflating the cost of repairs, or claiming damages that did not occur. Insurers have sophisticated methods to detect fraudulent claims. To avoid this, ensure that all information provided in your claim is accurate and truthful.
Only claim for legitimate losses and expenses. Never attempt to inflate the cost of repairs or fabricate details of the incident.
Appeal Process
If your claim is denied, you have the right to appeal the decision. The appeal process varies depending on your insurer, so review your policy or contact your insurer for specific instructions. Generally, the process involves submitting additional documentation or providing further clarification on the reasons for your claim. You may also be able to request a review of your claim by a higher authority within the insurance company.
Maintaining detailed records of all communications with the insurer throughout the appeal process is essential. If the appeal is unsuccessful, you may consider seeking legal counsel.
Types of Insurance Claims
Filing an insurance claim can seem daunting, but understanding the process for different types of insurance simplifies the experience. This section Artikels the key differences in filing claims for auto, home, and health insurance, highlighting specific documentation and typical processing times. Remember that specific requirements may vary depending on your policy and insurance provider.
While the core principle of reporting an incident and providing supporting documentation remains consistent across all types of insurance, the specifics differ significantly. Auto claims focus on vehicle damage and liability, home claims address property damage or loss, and health claims cover medical expenses. Each type requires unique documentation to support the claim’s validity.
Auto Insurance Claims
Auto insurance claims typically involve accidents or damage to your vehicle. The claim process usually begins with reporting the incident to your insurer and the police (if necessary). A thorough investigation is often conducted to determine fault and assess damages. The claim may cover repairs, replacement, or medical expenses for injuries sustained.
Home Insurance Claims
Home insurance claims usually arise from events like fire, theft, or weather damage. The process involves documenting the damage, often with photographs and detailed descriptions. You’ll need to provide proof of ownership and possibly contact your mortgage lender. The insurer will assess the damage and determine the appropriate compensation for repairs or replacement.
Health Insurance Claims
Health insurance claims cover medical expenses, including doctor visits, hospital stays, and prescription drugs. You will usually need to submit bills and other medical documentation from your healthcare providers. Your insurer will review the claim to determine coverage based on your policy’s terms and conditions. Pre-authorization may be required for certain procedures or treatments.
Comparison of Claim Filing Processes
The following table summarizes the key differences in filing claims for auto, home, and health insurance.
| Insurance Type | Key Documents | Filing Method | Typical Processing Time |
|---|---|---|---|
| Auto | Police report (if applicable), photos of damage, repair estimates, medical bills (if applicable), vehicle registration | Online portal, phone, mail | Several days to several weeks |
| Home | Photos and videos of damage, repair estimates, proof of ownership, police report (if applicable), mortgage information (if applicable) | Online portal, phone, mail | Several days to several months (depending on the extent of damage) |
| Health | Medical bills, explanation of benefits (EOB), doctor’s notes, prescription information | Online portal, mail | Several days to several weeks |
Tips for a Smooth Claim Process
Filing an insurance claim can sometimes feel overwhelming, but by taking a proactive and organized approach, you can significantly streamline the process and ensure a quicker resolution. Careful preparation and clear communication are key to a positive experience. This section Artikels practical tips to help you navigate the claim process with ease.Proactive communication with your insurance provider is crucial throughout the entire claims process.
Regular updates and clear explanations of the situation can prevent misunderstandings and delays. This fosters a positive working relationship and helps ensure your claim is handled efficiently.
Importance of Proactive Communication
Open and consistent communication with your insurer is paramount. Immediately reporting the incident, providing all necessary documentation promptly, and following up on the claim’s progress are essential steps. For example, if you’re unsure about a specific requirement, contacting your insurer immediately clarifies any confusion and avoids potential delays. Similarly, if there are any changes to your situation (e.g., your contact information), promptly informing your insurer prevents delays in communication.
Regularly checking in on the status of your claim, without being overly demanding, demonstrates your engagement and allows you to address any issues proactively.
Preventative Measures to Avoid Claim-Related Issues
Taking preventative measures can significantly reduce the likelihood of needing to file a claim in the first place. These actions can save you time, stress, and potential financial losses.
Maintaining Adequate Insurance Coverage
Ensuring you have adequate insurance coverage tailored to your specific needs is a crucial preventative measure. Regularly reviewing your policy and adjusting coverage as needed, such as increasing liability limits or adding endorsements for valuable possessions, protects you against unforeseen circumstances. For example, if you recently purchased a new high-value item, updating your homeowner’s or renter’s insurance to reflect its value prevents underinsurance in case of loss or damage.
Proper Documentation and Record Keeping
Maintaining detailed records of your possessions, including photographs and receipts, is essential. This documentation proves ownership and value in case of a claim, simplifying the process and avoiding disputes. For instance, photographing valuable jewelry or electronics and storing the images securely allows for quick and accurate valuation if a claim is necessary. Similarly, keeping detailed records of home maintenance and repairs demonstrates proactive care and may prevent disputes regarding pre-existing damage.
Regular Maintenance and Inspections
Regular maintenance and inspections of your property and belongings can help prevent incidents that could lead to claims. For example, regular servicing of your car reduces the likelihood of mechanical failures, and scheduled home inspections can identify potential issues before they escalate into larger problems requiring costly repairs or replacements. These preventative measures not only reduce the risk of claims but also contribute to the longevity of your assets.
Resources for Further Assistance
Navigating the insurance claims process can sometimes feel overwhelming. Fortunately, numerous resources are available to provide support and guidance throughout the process, ensuring a smoother and more successful experience. These resources offer various forms of assistance, from providing information and advice to mediating disputes and advocating for your rights.
Consumer Protection Agencies
Consumer protection agencies at both the state and federal levels play a crucial role in assisting individuals with insurance-related issues. These agencies investigate complaints, mediate disputes between consumers and insurance companies, and can take enforcement actions against insurers engaging in unfair or deceptive practices. They often have websites and phone numbers readily accessible to the public, providing a valuable first point of contact for those experiencing difficulties with their insurance claims.
For example, the National Association of Insurance Commissioners (NAIC) provides a searchable database of state insurance departments, which are valuable resources for consumer complaints and inquiries. The Federal Trade Commission (FTC) also handles complaints regarding deceptive or unfair insurance practices.
Insurance Industry Websites and Associations
Many insurance companies and industry associations offer resources and information to help policyholders understand their coverage and file claims effectively. These resources may include FAQs, claim forms, and guides on navigating the claims process. These websites often provide contact information for customer service representatives who can answer specific questions and offer personalized assistance. Additionally, some industry associations provide general information about insurance policies and consumer rights, which can be helpful in understanding your rights and responsibilities.
Examples include the Insurance Information Institute (III), which offers educational materials on various insurance topics, and the American Association of Insurance Services (AAIS), which provides resources for insurance professionals but often includes publicly available information beneficial to consumers.
Last Recap
Filing an insurance claim doesn’t have to be a stressful experience. By following the steps Artikeld in this guide, you can significantly streamline the process and increase your chances of a quick and successful resolution. Remember, accurate documentation, clear communication, and proactive follow-up are key to a smooth claim experience. Armed with this knowledge, you can approach the process with confidence, knowing you have the tools to navigate it efficiently and effectively.
Take charge of your claim and ensure a positive outcome.
Frequently Asked Questions
What if I lose my policy documents?
Contact your insurance provider immediately. They can usually provide you with a copy of your policy.
Can I file a claim over the phone?
Yes, many insurance companies allow you to report incidents and initiate claims over the phone. However, you may still need to submit supporting documentation later.
How long does it typically take to get a claim approved?
Processing times vary depending on the type of claim and the insurance company. However, you can expect updates from your insurer throughout the process.
What happens if my claim is denied?
Review the denial reason carefully. You usually have the right to appeal the decision, providing additional information or clarification as needed.
What if I don’t understand my policy?
Contact your insurance provider directly for clarification. They are obligated to explain the terms and conditions of your policy.