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Woodbury, MN 55125

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Minnesota Insurance Blog

Is Filing a Claim for Umbrella Insurance Complicated?

Whether you’re a Woodbury, MN resident who will be filing an umbrella insurance claim for the first time or have just purchased a policy and you’d like to know what the process is like, that’s understandable. Only certain people purchase umbrella insurance policies, usually those with higher incomes and assets worth more than the average person. While many people believe that filing an umbrella insurance claim is complicated, it doesn’t have to be. Here is what you can expect when filing an umbrella insurance claim:

Know When to File an Umbrella Insurance Claim

There are only certain times when a person needs to file a claim against their umbrella insurance. Umbrella insurance is available to ensure you’re not paying out of pocket after your primary homeowners, auto, or some other type of insurance has been exhausted. For instance, if you cause a severe car crash that causes many people to become seriously injured, you should file a claim with your auto insurance first. 

Filing an Umbrella Insurance Claim is Easy

It’s easy to file a claim with your umbrella insurance, and you can contact them by phone or file a claim online just like you did with your auto or homeowners insurance. As long as your deductible has been met, your umbrella insurance provider should approve your claim after an investigation. While there’s never a guarantee that your claim will be approved, as long as the insurance company has all the facts necessary, the claim should be pretty uncomplicated. 

As you can see, filing an umbrella insurance claim doesn’t have to be overwhelming. Your insurance agent can walk you through the process, which will hopefully be over soon. If you’re in the Woodbury, MN area and need a new insurance provider, consider us at Kriener Insurance. At Kriener Insurance, we go above and beyond to ensure fair prices and excellent customer service. 

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