How to make insurance simple
- Mar 4, 2024
- 2 min read
In a previous article https://www.dempseyferguson.co.nz/post/how-to-prepare-a-successful-insurance-claim I set out the four basic questions that you need to answer to prepare an insurance claim. These questions have some other useful functions to help you navigate your way through insurance claims. They are essentially tools to organise your thinking and make information easier to understand.
The questions are:
1. What is the damage?
2. How do you fix it?
3. How much will it cost?
4. Who pays?
Although at some stage you will have to get the answers to these questions, the questions themselves can be useful to help you understand documents or what insurance people are saying when they call you to talk about your claim.
Significant insurance claims can be quite overwhelming. It's not something that you deal with every day but you find yourself coming into contact with people who appear to have expertise and knowledge that you may not have. I reckon that there are two types of people in the world: complicators and simplifiers. In every walk of life we come across both complicators and simplifiers. I have been assisting people with insurance claims and other types of claims against large organisations for about 24 years but I still come across people who make things very complicated to understand. When this happens in an insurance context, I always ask myself which of the four questions does this information fit under?
Quite often I find that when I am confused about what somebody is saying or has written about an insurance claim it is because they are mixing up the answers to the four questions. Often when they are talking about the damage they will include in the same paragraph or even the same sentence how to fix the damage and they may even mention who should pay to fix the damage. When this happens, I sit down and make a list of all of the damage that is identified in the document and then make a separate list of all of the repairs that are identified in the document.
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The post about how to make insurance simple explains how insurance concepts like coverage, premiums, and claims can be confusing for many people, and it highlights the importance of breaking information into clear, easy steps so individuals can make better financial decisions and understand what they are paying for. It made me think about how clarity is important in all complex systems. While managing my studies, I once used Canvas LMS expert help online when I was struggling with navigating online coursework and needed better understanding of the system, and it helped me stay more organised and complete my tasks more efficiently.
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