Be sure to contact your insurer or broker to find out what documentation is required. Get your paperwork in order: depending on whether you are claiming for everyday expenses such as doctor visits and out-patient treatment or for a hospital visit, the required documentation may be different.But an insurance company cannot automatically refuse a claim on the basis that the claim was not made to them within the timeframes set out in the policy document, if it does not negatively impact the insurance company. Make the claim as quickly as possible: the terms of the policy will set out the amount of time you have to submit a claim on your health insurance policy.You may only be able to claim back a portion of an expense paid, this is the ‘allowable expense’. Check the excess and allowable expense: if the excess that you are required to pay is more than the medical cost, then you will be unable to make a claim.If you have a health insurance policy and wish to make a claim, there are a number of basic steps you should follow when making a claim: Check if you have this cover on your policy so that you do not pay for any services you are already covered for. Some policies contain a ‘legal expenses clause’, where you would be offered the use of legal services if you were making a claim. In these circumstances, you may prefer to get legal advice as soon as possible. However, if you decide to reject the Injuries Board assessment, you may take your claim to court. You can take a claim and apply directly on piab.ie or use the Injuries Board Smartphone app. The Injuries Board website will let you see how much you could receive for certain injuries. This helps to make the claims process less expensive, as you are under no obligation to use a solicitor. You can decide to reject their offer and refer your claim to the Injuries Board, to decide the amount of compensation you should get for personal injuries. In the case of a claim for personal injury, you don’t have to accept the amount an insurance company offers. contact the Injuries Board (an independent statutory body set up by the Government) and/or get legal advice.advise your insurance company straight away.report the matter to the Gardaí immediately.In cases that involve another party, such as a traffic accident, you should: An assessor is not the same as a loss adjuster, who is employed by the insurance company and works on their behalf. Assessor’s fees are not covered by your policy, so you will have to pay for this service yourself. An assessor works on your behalf and will negotiate with your insurance company to settle your claim. Always check that your insurer will cover the cost of any repairs.įor larger claims, such as a buildings claim on your home, you may want to hire an assessor. ![]() For example, if your home has been damaged, they may suggest you get some emergency repairs done.
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