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Nothing is more frustrating than paying your insurance premium every month, only for your insurer to wash their hands when something goes wrong.

Feeling powerless and stressed in these situations is completely normal. And the worst part? Your insurer knows it. They play on your frustration so you give up and walk away. You thought they were there to help, but they are trained to wear you down until surrender seems like the only option.

Do you feel like you have a solid case but your insurer keeps rejecting your claims?

You’re Probably Making One of These Three Mistakes:

1. Writing Without a Logical or Chronological Order

When you suffer any accident — whether at home or in your car — stress kicks in.

On top of caring for your family, working, and paying bills (including your insurance premium), now you have to deal with this new problem. You call your insurer right away, hoping they’ll cover what they promised — but instead, they give you more excuses than a delinquent client.

Often, you let emotions take control, and the claims department doesn’t do their job properly. Instead of empathizing, they block your claim with excuses.

Solution: Make it easy for them. Write down your case in clear chronological order, explaining exactly what happened from start to finish. The easier you make it, the fewer excuses they’ll have — and the easier it will be for you to get what’s yours.

Start with the date of the incident, describe the damages, and explain how it happened.

2. Not Including Enough Evidence or Details

Let’s be real: insurers operate on a “minimum effort” model — and they’re not an exception to this rule.

Your insurer is not there to serve you. They do everything possible to save money, and if you wonder why they break profit records every year, it’s largely because of the money they save by not paying claims.

Every day, your insurer receives hundreds of claims — and most of them go nowhere due to lack of evidence.

No matter how many angry calls you make, they are in the dominant position unless you present everything so clearly that they can’t ignore it.

3. Not Linking the Facts to Your Policy Clauses

What’s the most intimidating thing about getting a letter from the tax office?

They always back it up with legal references. That’s why you feel pressured when you read it. You need to use the same approach with your insurer.

Trusting blindly what your broker or agent tells you is not enough. The only thing that matters is what your policy says.

Solution: When you submit your claim, relate every fact to the specific clause in your policy. Showing them you know your rights will prevent them from playing games.

For example, if you suffered damage to your car, quote the “Accident Coverage” section and cite each clause that applies.

In Summary

We know filing a claim feels like a nightmare. Your insurer should be your ally, but they often become just another problem.

Make it easy for them: present a well-structured, evidence-packed claim and cite your policy clauses. Avoiding these mistakes will bring you one step closer to a successful outcome — and to finally getting the compensation you deserve.