Insurance Claims in Akron, OH
What Are Insurance Claims?
Filing an insurance claim in Akron, Ohio can be a stressful process. Every policy is different, and insurance companies may not pay you what you deserve. In some cases, hiring an insurance claim attorney is necessary. This page breaks down the nuances of different types of insurance claims.
What Is a Property Insurance Claim?
A homeowner’s insurance policy is an agreement to protect the home from damage under specific occurrences. When you as a policyholder suffer a loss, you should find a dedicated Akron, Ohio property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your property.
If the insurer denies coverage or delays, policyholders should consult a property insurance attorney about a bad faith claim. If your claim goes to court and you win, you can often recover your court costs, attorney fees, and coverage benefits. There is also the possibility of recovering more money depending on the state laws under which you file your claim.
What Types Of Damage Claims Apply to Property Insurance?
Specific geographic regions impact the design of insurance policies. For example, Florida property insurance policies have more provisions for hurricanes versus earthquakes.
Thunderstorms and high winds represent a hazard to property in Akron. An example of the potential for damage comes from October 2021. News 5 reported tornadoes tore through Summit, Stark, Medina, Lake, and Trumbull County. The winds reached 80 mph, and homes were damaged by the funnel clouds. In many cases, your insurance policy should cover this type of destruction. However, the runaround that follows may require legal help to protect your interests.
How to File a Property Insurance Claim in Akron, Ohio
After you suffer a loss, you must contact your insurer as soon as possible. Taking this step begins the insurance claim process and gets things moving along. You need to notify your insurance company in writing or over the phone. From there, your insurer appoints a claim representative.
What to Expect Afterwards
Local insurance carriers like Ohio Mutual offer advice about what to expect after a property claim. Generally, you should expect the process to start discussing your coverage. The details that they share will have a dramatic impact on the settlement offer. Steps that may be necessary after this talk include:
- Property inspections
- Lists of damages
- Providing documents that prove ownership
Of course, the endgame is a settlement offer. But, you may receive a denial that includes written explanations for the company’s conclusions. If you feel that they aren’t paying enough or outright denying coverage in bad faith, you can take action. Schedule a consultation with an attorney in Akron and explore the legal options available to you.
What Is an Auto Insurance Claim?
Auto insurance claims involve requesting compensation from an auto insurer after an accident. Car accidents are incredibly stressful, especially if there are uncooperative responsible parties. However, your insurer’s job is to work on your behalf to secure compensation for repairs, injuries and other expenses.
Organizations like Investopedia offer solid general advice about responding to a car accident in Akron. At all times, it’s critical to stay calm and collect as much information as you can. Broadly speaking, the steps you’ll want to take are:
- Check all parties involved for injuries
- Move your vehicle a safe distance from traffic
- Inspect the damages
- Call the police for significant incidents
- Trade information with the other party or parties involved
The final step is to file an insurance claim and assist your carrier’s efforts to arrive at a settlement. But, if legal entanglements follow, keep in mind that Ohio uses comparative negligence for civil actions. If the courts rule that you are more than 50% responsible, you cannot receive payment for damages. If you want to assess your potential risks or rewards, speaking with well-trained legal counsel is an imperative.
Auto Claims Adjuster
Your auto insurance company will assign a claims adjuster to your claim report. Your adjuster acts as your representation in any mediation between you and all other involved parties. This insurance representative bears responsibility for investigating the claim and seeing that you receive compensation for any repairs or injuries.
Whether there are repair claims, personal injury claims, or you are dealing with someone who does not have insurance, your auto insurance adjuster should see you through the process. Your claims adjuster may recommend a garage to handle your vehicle repairs. They may also make arrangements for a rental vehicle if required. The most important thing to note is that your auto claim adjuster is your primary point of contact regarding the status of your claim in Akron.
Health Insurance Claims
Akron, Ohio policyholders file health insurance claims when they seek reimbursement for medical services or treatments. When you obtain a medical service from a provider, your health insurance carrier should become notified directly. If there are any discrepancies in your claim, consider hiring a health insurance claim specialist attorney.
How Do You File a Health Claim in Akron, Ohio?
There are two ways to file a health insurance claim on your behalf. The first is the medical facility notifies your insurer for you. You may be able to walk out of the facility without spending anything, but that depends on your policy. The other way is to file a health insurance claim yourself. Taking this route can occur when a health provider you use is not in your provider network. The facility may still file the claim on your behalf, but you may need to file it yourself.
In the event that your claim receives a denial, you do have rights you can exercise. The U.S. Centers for Medicare & Medicaid Services identifies two routes Akron residents can take. You can start an internal appeal with your carrier or request an external review. When those roads lead nowhere, your next stop is likely to meet with a lawyer.
Work with an Experienced Local Insurance Lawyer in Akron, Ohio.
If your health insurance provider refuses to honor a claim, seek out a qualified Akron insurance claim attorney’s help. An insurance claim attorney can help if you have been improperly denied coverage or sent a bill for a service you never received. We can even help you connect with an attorney across Ohio state lines.
Submit a request online or call us today at (866) 345-6784 to get in touch with an experienced lawyer in your area!