The impact of a claim on your insurance premiums can vary depending on the terms of your policy, the nature of the claim, and your insurance company's policies. Generally, the filing of a claim may have an impact on your premiums, especially if you are found to be at fault. However, each situation is unique, and this is a matter best discussed directly with your insurance provider. ACM's role is focused on the investigation of the claim and providing accurate information to your insurer, which will then make decisions regarding policy adjustments.

When a claim is filed against your policy, ACM may request various types of information from you, including:

• A detailed account of the incident leading to the claim.
• Any relevant documents or evidence you possess, such as photographs, correspondence, or contracts.
• Information about any witnesses or other parties involved.

Your insurance policy details and any previous claims history. The specific information needed can vary depending on the nature of the claim. Your cooperation in requested information is crucial for a thorough and timely investigation.

Once ACM has been assigned to your case, you will be provided with the contact details of the adjuster handling your claim. This information typically includes their name, phone number, and email address. You are encouraged to contact your assigned adjuster directly with any questions, concerns, or additional information you may have regarding the claim. Our adjusters are committed to being accessible and responsive to ensure clear communication throughout the investigation process.

The claim investigation process by AUTEN CLAIMS MANAGEMENT typically involves several key steps:

• Initial Contact: We will reach out to you, the claimant, and any witnesses to gather preliminary information.
• Documentation Review: You may be asked to provide relevant documents, such as your insurance policy, photographs of the incident, and any other evidence that could support the investigation.
• Site Inspection: If applicable, a field adjuster may inspect the location of the incident to gather more information and evidence.
• Witness Interviews: We may conduct interviews with you, the claimant, and any witnesses to compile comprehensive accounts of the incident.
• Evidence Analysis: All gathered information and documentation will be analyzed to assess the circumstances and liability.
• Report Compilation: A detailed report will be prepared, summarizing the findings, and recommending next steps.
• Resolution: The findings will be shared with your insurance company, which will then make a decision on the claim based on the investigation.

The duration of a claim investigation can vary significantly depending on the complexity of the case, the availability of information, and the responsiveness of involved parties. Simple claims may be resolved in a few weeks, while more complex situations could take several months. Our goal at ACM is to conduct thorough and efficient investigations, and we strive to keep all parties informed about the progress and any factors that may affect the timeline.

If you disagree with the findings of the investigation, you have the right to appeal the decision. The first step is to discuss your concerns with the ACM adjuster to understand the basis of the findings. If you still believe the conclusion is incorrect, you can formally appeal by providing additional evidence or information that may not have been considered initially. Your insurance company will outline the specific process for appeals, which we recommend following closely to ensure your appeal is properly reviewed.

AUTEN CLAIMS MANAGEMENT will communicate directly with your insurance company regarding the progress and findings of the claim investigation. We serve as a liaison between you and your insurer, ensuring that all relevant information is accurately and efficiently relayed. However, it's also important for you to maintain open communication with your insurance company, especially regarding any policy questions or concerns that may not directly relate to the investigation itself. Your insurance company may also provide updates or require additional information from you as part of their internal processes.

AUTEN CLAIMS MANAGEMENT takes the privacy and confidentiality of your information very seriously. We adhere to strict data protection protocols and legal requirements to safeguard your personal and policy information. This includes secure handling and storage of documents, restricted access to sensitive information, and compliance with privacy laws and industry standards. Our adjusters and staff are trained in privacy policies to ensure that your information is protected throughout the claims process.

Yes, you can request a copy of the investigation report, however you may not be entitled to a copy of it, and ACM will not release our investigation to anyone without the express written directive of our client.

If a claim exceeds your policy limits, your insurance company will cover the damages up to the maximum amount specified in your policy. Any amount exceeding the policy limits may be your responsibility, depending on the circumstances of the claim and the terms of your policy. It's important to discuss this situation with your insurance company to understand your liabilities and options. In some cases, additional coverage or umbrella policies may provide further protection in such scenarios.

Your cooperation and assistance are crucial for a thorough and fair investigation. You can assist ACM by:

• Providing all requested information and documentation in a timely manner.
• Being available for interviews or to answer additional questions as needed.
• Sharing any relevant photographs, videos, or witness contact information.
• Informing us of any new evidence or information that comes to light during the investigation.

Your active participation helps ensure that all aspects of the claim are considered, leading to a fair and accurate assessment of the incident.

As a policyholder, you have the right to a fair and thorough investigation of any claims filed against your policy. Your responsibilities include providing accurate and complete information related to the claim, cooperating with the investigation process by responding in a timely manner to requests for information or documentation, and adhering to the terms of your insurance policy.

Liability and damages in a claim are determined based on the evidence collected during the investigation, which may include witness statements, photographs, expert opinions, police reports, and any other relevant information. ACM adjusters analyze this evidence in the context of applicable laws and the specific circumstances of the incident to make an informed decision regarding liability. Damages are assessed based on the extent of the injury or property damage, supported by medical bills, repair estimates, and other documentation.

If you have questions or need assistance during the claim process, your primary contact should be the ACM adjuster assigned to your case. Their contact information will be provided to you at the beginning of the investigation.

Generally speaking, having insurance is about protection for when accidents happen, including those where you may be at fault. While each case is unique, the purpose of liability insurance is to provide defense and indemnity for covered incidents up to the limits of your policy. This means if a claim is made against you for injury or damage, and it falls within the scope of your policy, ACM and your insurer will work to handle the claim, defend you if necessary, and cover the damages up to your policy limits. It's important to engage openly and honestly in the claims process and to understand that the insurance is there to support you through these situations.