This portion of the website will not be fully available until we complete our IT development and integration - stay tuned!
Claims Process & Submission Form
One of the big differences between Better Insurance and every other insurance company is that we make our standard claims process public so that every Client can reference it to assist them in the process. In addition, we give the Client a specific amount of control and visibility at all stages of the process.
Why? Because insurance is about managing risk, not about making money for investors and corporate executives. In all fairness, we don't just give the client everything they want - the claims pool has to cover everyone, not just the first greedy and entitled grifter looking to take more than they need.
Our #1 mission for claims starts with this question: What does it take to make the client whole?
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Better Insurance Claims Process
Claims Table of Penalties and Standards
The payout of a liability claim for an accident will subsume the client refund dollars in that year to pay for the claim (two claims in a year or 3 claims in two years will empty the full Client Refund account into the claims pool), and the client will start over on accumulation of Client Refund funds. If they have referred 4 people previously, the 40% status will remain the same.
In the event of having two wrecks designated as at-fault total losses in one year, or three at-fault wrecks in two years, the Client account status will be changed to a probationary term contract, and they will have to renew every 6 months for a duration of 3 years before their account can be returned to full indefinite status. Three accidents with liability claims in a year voids the policy, and the client will no longer be insured by Better Insurance.
In states where prohibitions are imposed against dropping a client from an insurance policy for excessive use of that policy, the client will simply not be renewed when their current policy term expires.
Waivers are available if one or more of the accidents were not your fault. Waivers not available in no fault states.
Claims Form
Our claims process is streamlined and optimized for effective, immediate response. The simplified list of steps is as follows, and highlighted in the process map above:
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Take Photos
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Submit photos and details of the accident through the app or to claims@betterinsuranceco.com
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Claim is reviewed by the Ops Center, and additionally by a Claims Adjustor if necessary
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Validate the claim
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Process payments to vendors or the client
If you do your part thoroughly and in sufficient detail, Better Insurance strives to pay out claims and make the client whole within 48-72 hours after receipt of the Claim Reporting Form from the client or their authorized representative.
If an investigation is required, or delays outside of the Client’s control occur, the timeframe for resolution becomes negotiable in order to provide the best outcome for the incident and the Client. The more prompt and detailed the Client’s reporting is, the quicker and more satisfactory the outcomes.
Better Insurance Operations Center
The Better Insurance Operations Center centralized system focuses on three core support elements: Sales Support, Customer Service, and Claims Support. The Ops Center validates claims, removes / resets incentive payouts from clients with claims, integrates data reporting and analytics, and serves as the touchpoint for new and existing client support.
Better Insurance is designed to maximize client connectivity, claims processing, payment processing, and to ensure operational overhead stays low in order to maximize client benefit for every client. Making 99.8% of the business internet-accessible and functional in that space is critical to ensuring that operational overhead stays low. With technology enablers that manage money, people, processes, and coordinate those elements for synchronized and timely outcomes, one of the most important aspects of Better Insurance is our ability to leverage technology and operational expertise to facilitate better, more rapid, more accurate outcomes and payment solutions for those who have claims.