The insurance industry requires that you mail your damage claims to them through the US Postal Service. Why?

Well, it doesn't, actually. You can always hand deliver it to your agent or adjuster. You can also hire a courier, or send it FedEx.



Someone in particular that YOU are dealing with is requiring this, but it's NOT an industry standard.



Why would they want that? So if they think this is a fraudulent claim (which means, also, exaggerating the loss of a valid claim), they can prosecute you for both insurance fraud and mail fraud.The insurance industry requires that you mail your damage claims to them through the US Postal Service. Why?
Not all insurance companies do that, in fact few do.The insurance industry requires that you mail your damage claims to them through the US Postal Service. Why?
Most claims go to the Ins co through a Post office box.



Only the post office can deliver to a post office box.The insurance industry requires that you mail your damage claims to them through the US Postal Service. Why?
If an insurance company is telling you that you have to mail documents to them via the U.S. Post Office, then they suspect that the person making the claim is attempting fraud. It is against the law to use the U.S. Post Offices for any kind of fraud. It can lead to federal criminal charges.



As a claim adjuster I do this often as it allows us another avenue to charge someone with fraud. Most of the time District Attorney doesn't care about fraud committed against insurance companies, but the Postal Inspectors seem to. Over the years I have had better luck getting people charged with mail fraud than I have been getting them charged with insurance fraud.