Picture it: you’re cruising carefree through fresh powder when you suddenly collide into a new rider slowly zig-zagging across the run. Or trip over someone's wayward ski pole. Ouch. The point is: accidents happen when you least expect them. But we’re here to make them as painless as possible. If you have a Spot policy, follow these six steps after an accident:
1. Seek Medical Help
I know it’s hard, but try not to panic. The most important step is to stay calm and get safe. The US Ski Patrol recommends crossing your skis in the snow above you so other skiers can avoid hitting you. This also lets ski area patrol know you need help. Once you’re safe, seek medical treatment from a licensed physician as soon as you can.
2. Get Photos and Collect Details
If you can, make sure to capture as much information as possible. This comes in handy when you’re reporting your accident (more on that later). Also, make sure your doctor verifies and records that your injury was the result of an accident. Obviously, if you’re severely injured, the claims team will hunt down the information for you.
3. Go to Your Spot Account
Log in to your account to report your accident at getspot.com/login so we can verify your policy information and get the claims process started. You can do this even if you haven't received treatment or bills yet. Once you get your first bill or Explanation of Benefits, you can file a claim.
4. Report Your Accident
Before filing your claim, answer a few questions about your injury. Be as thorough and detailed as possible (this is where that information you captured after your accident comes in handy). The less information the claims team has to hunt down, the quicker you’ll be able to move through.
5. File Your Claim
Once you receive your first bill, you can begin the claims process. For each claim, we’ll need details on other insurance you may have, where you were treated and some supporting documents. Be sure to take pictures of the bills and upload them to your account as you receive them. Your case will remain open as you receive your bills.
6. Get Paid
Once the insurance company receives your claim, you’ll be assigned an advocate who will monitor your claim and help guide you along the way to find the best path forward. As long as everything checks out, the insurance company will either reimburse you by check or pay your providers directly.
If you need more information or help with filing a claim, head to our Injury Claims FAQ page.
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