Type 1 – “We still need documents…”

It sounds harmless, but it's important. It often says something like:

"To further investigate the damage, we require the following documents..."

What this means in plain English:

• The insurance company has not yet rejected your claim.

• But she hasn't agreed yet.

• She wants more food so she can make a decision.

Typical required documents:

• invoices,

• Photos,

• medical reports,

• Police report

• Confirmations from third parties.

What you should do now:

• Do not ignore the letter.

• Collect the required documents.

• Check deadlines (“please by…”).

• If in doubt, double-check with us: Does this demand make sense?

Risk-BOT tip:

• Take a photo of the letter and send it to us via WhatsApp.

• We'll tell you if this is standard – and what you really need to deliver.

Type 2 – “We reject your application because…”

The unpleasant classic. It says something like:

“Unfortunately, we are unable to settle the claim in accordance with section XYZ of their terms and conditions…”

In plain terms:

• The insurance company initially says: "No."

• Common reasons given include exclusions, alleged lack of coverage, and alleged misconduct.

What you should do now:

• Don't give up immediately.

• Check (or have someone check) whether the justification is actually valid.

• Don't react emotionally ("That's unfair!"), but remain objective.

Risk-BOT tip:

• You send us the rejection as a photo or PDF.

• We will translate for you:

  • What exactly is the reasoning?

  • Is this legally/contractually plausible or very "creative"?

  • Is it worth filing an objection or asking a question?

• With membership you even get help with formulating your answer.

Type 3 – “Please contact us within 7 days…”

These letters are stressful because they contain deadlines. For example:

“Please let us know within 7 days whether you agree to the regulation…”

In plain terms:

• The insurance company wants a response within a certain timeframe.

• If you don't respond, it can be interpreted as either agreeing or not being interested.

What you should do now:

• Check the date of the letter.

• Calculate the deadline.

• Don't wait until the last day to react.

• If you are unsure, please forward this information to us immediately.

Risk-BOT tip:

• Take a photo of the letter and send it to Risk-BOT via WhatsApp.

• We'll tell you how urgent it is and what options you have.

• Together we can formulate an answer that secures your position.

Type 4 – “We check whether there is coverage…”

It reads something like this:

"The insurance coverage for the claim you reported is currently being reviewed. We ask for your understanding that this may take some time."

In plain terms:

• The insurance company has not yet formed a clear opinion.

• She is keeping all her options open.

• It can take time – sometimes longer than you'd like.

What you should do now:

• Don't accept the status completely passively.

• Questions: What information is still missing? Are there any deadlines?

• Start preparing evidence and documents in the meantime.

Risk-BOT tip:

• We'll look at it together with you:

  • What does your contract look like?

  • What are the chances?

  • What can you proactively deliver to speed things up?

• This way you're not in the "waiting room", but actively at the wheel.

Type 5 – “As a gesture of goodwill, we offer you…”

It sounds nice at first: "Goodwill". A typical phrase:

"Without acknowledging any legal obligation, we are offering you a payment of … as a gesture of goodwill."

In plain terms:

• The insurance company wants to pay without admitting that it actually has to.

• That can be fair – or very “economical”.

What you should do now:

• Check: Is the offered sum realistic?

• Ask yourself: Does that really cover your damages?

• Not to sign "in a flash" out of pure gratitude.

Risk-BOT tip:

• We'll look at this with you:

  • What is the actual amount of damage?

  • Is there any evidence that this was a case of "understating the facts"?

  • Is negotiation/inquiry worthwhile?

How to deal with insurance jargon more calmly in the future

The truth:

• Most insurance letters are not designed to make you feel good.

• They are technically correct in their wording – but often incomprehensible.

You don't have to translate this alone.

This is what it can look like with Risk-BOT:

• You take a picture of your letter.

• You send it to Risk-BOT via WhatsApp.

• You get:

  • a plain-text summary ("What does it say?"),

  • an assessment (“Is this okay?”),

  • a recommendation ("What should you do now?"),

  • Depending on your membership, you may even find ready-made phrases for your reply.

Especially with the claims assistance membership and Elite package, you have:

• an insurance translator in your pocket,

• someone who is not in the insurance company's camp,

• Someone who says: "That's fair" or "There's room for improvement.".

Conclusion – You don't have to decipher insurance jargon alone

Insurance letters are not an intelligence test. You don't have to understand them on your own to be "grown up".

You may:

• Ask questions.

• Have letters checked.

• Saying "I don't understand anything" without feeling ashamed.

If you're tired of sitting alone in front of cryptic texts:

• Get a claims assistance membership with Risk-BOT