A few tips to ensure that you claim correctly and receive your money as quickly as possible: File the claim immediately; take note of hospital bills, police accident reports, and copies of claims that have been submitted. Take notes of exactly what was said every time you speak with a company representative, make a note of the date and keep the information together in a file. If you get the feeling that the company isn't being forthcoming with the results that you need, complain to the state insurance regulator. If you still feel that your claim isn't getting the attention it deserves, call a lawyer.