How An Insurance Claim Works. As well as making sure you have the right insurance in the first place, your broker will help you through the. If you are in an accident and you want your insurance company to pay for your damages, you will have to file a claim.
The purpose of insurance is to bring the insured back to the same financial state they were in immediately before a loss. File your paperwork promptly and within the time limit. Report the incident to your insurance provider.