Insurance Claims in Allentown, PA

What Are Insurance Claims?

Filing an insurance claim in Allentown, Pennsylvania 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 Allentown, Pennsylvania 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.

Property damage often comes from severe thunderstorms and tornadoes in Allentown. For example, WFMZ reported heavy winds and rains that cut power to 24,000 people in 2022. Based on this reporting, Lehigh Valley as a whole suffered significant damage. If this happened to you, you may need an attorney to battle with an insurance carrier for repairs.

How to File a Property Insurance Claim in Allentown, Pennsylvania

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

As stated by WalletHub, insurance carriers have twenty-five days to recognize your claim and decide how to proceed. To start, they should verify your request within ten business days. Once they officially start looking into your claim, they have fifteen working days to present a settlement.

The back and forth that follows may take some time, especially if you disagree with the amount offered. After exhausting several rounds of appeals with the company, you often reach a dead end. When an Allentown resident arrives at this point, it’s strongly worth considering a consultation with an attorney.

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 Pennsylvania Department of Transportation states that accidents cost $2,016 in losses to everyone living in the state. In total, citizens lost 25.8 billion dollars in 2020. When you’re involved in a collision in Allentown, the costs can rack up quickly. Even with insurance, you may not receive an offer for as much financial benefit as you’re expecting. But, by following a few simple steps, you can improve your chances.

According to insurance companies like GEICO, the priority after an accident is checking for injuries. Once everyone is safe, do not give in to the temptation to discuss fault, but contact the police to investigate the scene. Then, exchange information with other parties, including witnesses willing to provide their phone numbers and address. As soon as possible afterward, get in touch with your insurer and get the claims process going.

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 Allentown.

Health Insurance Claims

Allentown, Pennsylvania 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 Allentown, Pennsylvania?

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.

One of the most common annoyances after a health insurance claim is an influx of unexpected bills. Thankfully, Allentown residents have protection from these hefty invoices starting in 2022. As reported by The Morning Call, charges from outside your network are illegal. This shielding from these unwelcome surprises is thanks to the federal No Surprises Act.

Work with an Experienced Local Insurance Lawyer in Allentown, Pennsylvania.

If your health insurance provider refuses to honor a claim, seek out a qualified Allentown 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 Pennsylvania 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!

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