Filing a claim can be daunting and filled with questions. Here at Spot, our goal is to make things as easy as possible by providing you with a dedicated advocate who will help you with your claim every step of the way. Your dedicated Advocate will guide you through the process from start to finish!
Have a question? Odds are, we’ve heard it before and have the answer listed below! If you can’t find what you’re looking for, your dedicated claims advocate as well as the rest of the Spot Customer team is here to help.
When do I need to report my accident to Spot?
The sooner you notify Spot about your accident, the better. The timeline requirements to notify Spot vary by carrier and partner. In some cases, you have to notify Spot within 20 days from the date of the accident.
Please review your benefits summary or contact your dedicated Advocate for more information.
How long after my accident do I have to receive my first treatment?
The timeline to receive your initial treatment resulting from your accident can vary by carrier and partner. In most cases, your initial treatment must occur within 30 days of the accident.
Please review your benefits summary or contact your dedicated Advocate for more information.
How do I file a claim?
Log into your account from www.getspot.com/login, using the email used to set up your Spot account. From within your account, you can kick off the claims process.
If you purchased Spot from one of our partners and have yet to login, go to www.getspot.com/login/activate and enter the email address you used to register for the event to activate your account.
If I have health insurance (often referred to as “primary insurance”), do I still notify Spot about my accident
Yes! It is important to notify Spot about your accident as soon as possible, even if you have primary health insurance.
After reporting my accident in my Spot account, will you contact me directly?
Absolutely! Once you let us know you’ve been hurt, you will be assigned a dedicated Advocate who will be there for you every step of the day. Within one business day, you will receive an email from your dedicated Advocate requesting to schedule a call with you via an online scheduling tool (you pick the time, we will call you!). We will outline the process, discuss important documentation, and provide guidance on the next steps. Your dedicated Advocate will be your point of contact throughout the claims process, so reach out to them with any questions!
Does Spot pay me directly after I file a claim?
If your provider requires you to pay out of pocket, we reimburse our policyholders directly, so we do not need to coordinate with your doctor.
Do I have to pay my doctor after receiving treatment?
Maybe. Doctors and medical providers sometimes require patients to pay at the time of your visit. In this case, make sure to keep all the bills and receipts - you’ll upload these on getspot.com so we can get you reimbursed as quickly as possible.
If I have out-of-pocket expenses, when will I get reimbursed?
Everyone’s case is a little different, which results in different processing times. Delays can happen but are avoidable. This is why the initial support from your dedicated Advocate is so important. From the very start, their top priority is helping you get things wrapped up quickly so you can focus on living your life!