Welcome to Reliable Insurance Brokers' Claim Process Guide, an integral part of our Reliable Guides series designed to help you navigate the complexities of insurance claims with ease and clarity. 

We are committed to providing a claims process that is as streamlined and stress-free as possible. We understand that dealing with insurance claims can often be a daunting task, especially during times when you may be recovering from a personal or business setback. That’s why we’ve tailored our procedures to support you effectively throughout your claim journey.

How We Support You

• Support When You Need It Most: Our dedicated team is here to support you from the moment you decide to make a claim. We prioritize clear communication and transparency, ensuring that you are well informed and supported every step of the way.
• Streamlined Processes: We have meticulously refined our claim submission and processing steps to ensure they are straightforward. This means less paperwork, faster processing, and more time for you to focus on what truly matters.

Our Step-by-Step Claim Guide

Making a claim with us is straightforward. Here’s how you can initiate and navigate the process, ensuring a smooth and hassle-free experience:

Step 1: Report & Submit

Initiate your claim by accessing our Online Claims Form (OCF) available HERE. Complete the form by providing all necessary details about the incident and your policy information. Once submitted:

• Documentation Support: A Policy and Account Manager (PAM) will be assigned to your case. They will reach out to help you gather and organize the required documentation.
• Complete list of claim requirements: [pdf download link]
• Document Submission: Send as an attachment or provide links to relevant documents such as policy copies, receipts, and any other required evidence to claims@reliable-insurance.ph or directly to your PAM.

Step 2: Await Assessment

After submitting all required documents:

• Submission to Insurance Partner: Your PAM will forward your complete claim package to the respective insurance partner for assessment.
• Process Facilitation: We manage all communications and follow-ups with the insurance partner to ensure your claim is processed efficiently.
• Regular Updates: You will receive regular updates on the status of your claim, keeping you informed throughout the assessment phase.
• Assistance with Declined Claims: If your claim is declined by the insurance provider, we will review the reasons provided and assist you in understanding the grounds for the decision. Common reasons for claim denial may include non-disclosure of relevant information, discrepancies in the claim details, or lack of coverage under the policy terms.
• Appeals Process: Should there be grounds to contest the decision, we will guide you through the appeals process. This includes gathering additional supporting documents, re-evaluating the claim details, and submitting a formal appeal to the insurance provider. Our team is committed to advocating on your behalf to ensure a fair reassessment.

Step 3: Receive Settlement

Upon successful claim approval:

• Settlement Arrangements: We promptly arrange the disbursement of your approved claim settlement amount based on the evaluation of damages and policy terms.
• Payment Processing: The claim amount is processed and a settlement check is prepared. This check is payable either to you, the policyholder, or a third-party claimant as applicable.
• Delivery of Settlement: You can choose to have the settlement check delivered to your preferred address, or it can be picked up at our Reliable Insurance Brokers office. If applicable, a Letter of Authority to Repair will also be provided.
• Coordination for Receipt: Your PAM will coordinate the delivery or pick-up details with you to ensure you receive your settlement promptly and conveniently.

We hope this guide provides you with a clear roadmap for navigating the claims process at Reliable Insurance Brokers. Our aim is not only to offer financial restitution but also to ensure that your experience is as positive and empowering as possible.

Should you have any immediate questions or require further assistance, please do not hesitate to contact us:

• Call: +63 2 8631 9285 to 86
• Mobile: +63917 175 9028
• Email: claims@reliable-insurance.ph
• Messenger: https://m.me/reliable.insurancebrokersph

Stay tuned for more guides in our Reliable Guides series, which aims to demystify various processes and offer you resources to manage your insurance needs effectively.

Thank you for choosing Reliable Insurance Brokers. We value your trust and are dedicated to providing you with comprehensive support throughout the claims process.