I had a covered accident — how do I file a claim?
Most accident carriers accept claims via online portal or app within hours. You'll need: discharge paperwork or ER visit summary listing the injuries, the diagnosis codes, and (sometimes) photos of the injury. Cash benefits typically pay within 1–3 weeks of claim approval. The benefits are scheduled, not need-based — you don't have to itemize expenses; the policy pays the listed dollar amount for the listed injury regardless of whether you incurred matching costs. That speed and simplicity is the product's main selling point versus major medical.
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- Personal Insurance
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