AI Phone Assistant for Insurance Claims

The Problem

Dealing with insurance claims is stressful enough without the phone component. Whether it's a fender bender, storm damage, or a health insurance issue, the claims process requires multiple calls: filing the initial claim, following up on status, coordinating with adjusters, and disputing decisions.

• Complex information required: Policy numbers, claim numbers, incident details, dates, damages, third parties
• Long hold times: Insurance companies are notorious for 20-45 minute waits
• Multiple departments: You may be transferred between claims, adjusters, and customer service
• Documentation pressure: Being asked to recall details under stress leads to mistakes

For those already dealing with the stress of property damage, accidents, or health issues, the phone calls add an extra layer of anxiety that can delay getting the help you need.

What You Need Before Calling

Insurance claims require specific documentation:

• Policy number: Found on your insurance card or declarations page
• Claim number: If you've already filed, have this ready
• Incident details: Date, time, location, what happened
• Documentation: Photos of damage, police report number, medical records
• Third party info: Other driver's insurance, contact info for witnesses
• Repair estimates: Contractor quotes, mechanic estimates (if available)

Key: Your claim number is the most important piece of information. Write it down immediately when filing and reference it in every call.

Typical Phone Tree Navigation

Insurance phone systems are complex with many departments:

• Press 1: File a new claim
• Press 2: Check claim status
• Press 3: Speak with your adjuster
• Press 4: Billing and payments
• Press 0: General customer service

After navigating menus, expect a security verification process asking for policy holder name, date of birth, address, and policy/claim number. This happens before every conversation.

Let AI Handle Insurance Calls

Tell KallyAI your claim details. We'll file claims, get status updates, and coordinate with adjusters — no phone anxiety required.

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What to Say

For checking claim status:

You: "I'm calling to check on claim number [number]. The policy is under [name]."

Agent: "I can look that up. Can you verify your date of birth and address?"

You: [Verify identity]

You: "What's the current status, and what are the next steps needed from me or from your end?"

Always ask for specific timelines and what documentation is still needed. Get the agent's name and direct extension if possible.

Expected Wait Times

Pro tip: Claims filed immediately after major weather events (hurricanes, hail storms) face significantly longer waits due to volume. Patience — and persistence — is key.

How KallyAI Handles This

Simply describe your insurance need:

"I need to check on my auto claim #12345 with State Farm. The adjuster was supposed to call me but hasn't. I need an update on when my car will be approved for repair."

KallyAI then:

1. Calls your insurance company
2. Navigates the phone tree to the claims department
3. Waits on hold (even 30+ minutes)
4. Verifies your identity and references your claim
5. Gets specific status updates and next steps
6. Sends you a summary with timelines and action items

No more waiting on hold while life happens. No more explaining your situation to multiple agents.

Frequently Asked Questions

What if my claim was denied?

You can request a detailed explanation of the denial, provide additional documentation, or file an appeal. Ask for the specific policy language that led to the denial. KallyAI can help navigate appeals and escalations.

How do I reach my adjuster directly?

Adjusters often have direct phone lines or extensions, but reaching them can be difficult. KallyAI can call the main claims line and request a transfer or callback from your assigned adjuster.

Should I accept the first settlement offer?

Not always. First offers are often negotiable, especially for property damage. Get independent estimates and compare. KallyAI can call to discuss settlement amounts and understand your options.

How long should a claim take to process?

Simple auto claims: 1-3 weeks. Property damage: 2-4 weeks. Complex claims with liability questions: months. If your claim seems stalled, KallyAI can call to inquire about delays and push for resolution.

Related Resources

Insurance calls are among the most anxiety-inducing. Learn more in our complete guide to phone anxiety.

Related use cases: Bank Customer Service | Credit Card Support | Utility Bill Questions

Helpful guides: Phone Call Scripts | How to Delegate Phone Calls

Claims Shouldn't Add to Your Stress

Let AI handle the insurance calls while you focus on recovery. Try free — 1 call (6 min max).

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