Insurance Claims in Albany, NY

What Are Insurance Claims?

Filing an insurance claim in Albany, New York 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 Albany, New York 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.

New York State is certainly no stranger to weather that costs property owners significant amounts of money. CNBC reported that the total damages from Hurricane Ida in 2021 could reach $95 billion. Whether your property in Albany becomes damaged by a historic or minor event, you may need legal counsel.

How to File a Property Insurance Claim in Albany, New York

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

The Insurance Information Institute identifies the factors a representative and insurance adjuster will consider. Generally, the assessment of the damage to property in Albany is only one element of a complex process. The following can and most likely will have a significant impact on the settlement offer:

• Type of policy

• Limitations of the policy

• Temporary expenses

• Repairs or rebuilding costs

Before you receive an offer, you should consider having an independent adjuster complete an assessment. If their findings are wildly different, the variance could be due to bad faith actions. Sharing what another professional found during a consultation with an attorney can be critical.

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.

What Do You Do After a Car Accident?

The Department of Motor Vehicles maintains that there are over 300,000 accidents in New York State annually. If you’re a motorist, the unfortunate truth is that you could become part of this statistic. Anyone from Albany will need to prepare themselves for what to do. Generally, your obligations as described by the state government are:

• Pull over and stop your vehicle

• Call emergency services if needed

• If there is an injury or fatality, call the police

• Exchange insurance details with the other party or parties

• Complete a Report of Motor Vehicle Accident Form for the DMV

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 Albany.

Health Insurance Claims

Albany, New York 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 Albany, New York?

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.

If an Albany resident’s insurance carrier denies the claim, that does not have to be the end of the story. An organization like the Aimed Alliance can help you understand your choices. Normally, the other avenues to explore are:

• Filing an internal appeal

• Requesting an external review

• Filing a complaint with the Department of Financial Services

• Meeting with an attorney to discuss options for civil recourse

Work with an Experienced Local Insurance Lawyer in Albany, New York.

If your health insurance provider refuses to honor a claim, seek out a qualified Albany 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 New York 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!