Like it or not, dealing with insurance companies is a giant paper shuffle. In the law business it’s called “building the file.” Documentation is the key to keeping an insurance company honest and on their toes. If you want to get reimbursed for an expense, you will first have to show proof of the expense.

For example, if you have to hire someone to cut your grass or clean your house, you need receipts to prove you spent the money. It is amazing how many of these reimbursable expenses slip through the cracks, unless you bring them to the adjuster’s attention.

However, keeping receipts has more value than the amount that is reimbursed. It is more proof that you really are hurt. Receipts and documentation of these costs are painting a very clear picture of the nature and extent of your injuries. My clients quickly realize that the pain of a little paperwork can turn into an effective negotiating tool.