Business is not an easier process in this current condition. as i have personally well connected with the insurance business and specially with claim settlement. costumer and company both travel in same path the difference between is only is, one use left side and one use right side. but some they change there side and do as they feel. there is a process in claim which is claim investigation. i have spent many years in this field and got some good experience. early claim is one of the more important things in the claim process. approx 99% early claim is fraud. day by day company using many step to ignore this early claim problem but people is also being smart and using more efficient tolls to make an early claim and trying to get claimed amount. according my experience there is many way to crack this type of claim.