Insurance Claims in Atlanta, GA

What Are Insurance Claims?

Filing an insurance claim in Atlanta, Georgia 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 Atlanta, Georgia 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.

According to FOX5 Atlanta, crime rates including those of home burglary, have remained higher than from before the Covid-19 pandemic. In fact, theft and burglary remains one of the most common claims filed for property damage in Atlanta. Other common claims for the city include wind, hail, and water damage.

How to File a Property Insurance Claim In Atlanta, Georgia

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

WalletHub confirms that insurance companies in Atlanta have a total of 40 days to pay your claim. This is broken into 3 segments. The company has 15 days to acknowledge the claim, and provide you with next steps and the proper paperwork to complete these steps. Then they have another 15 days to decide the fate of the claim. This timeframe is when the company will either approve the claim, or deny it. Once the claim is approved the company will have 10 days to pay your claim.

While many companies may ask for further documentation of your claim, and are well within their rights to do so, you may encounter a company that is operating in “bad faith”. This is when a company purposely drags out the process in an attempt to make it harder for you to collect. Courthouse News reports that a federal judge has allowed a $10 million lawsuit to proceed over “bad faith” actions in Atlanta.

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?

If you are involved in an automobile accident in Atlanta, the Georgia DMV reminds you that you are never to flee the scene. Pull your car to the shoulder and determine if you are injured. Check anyone else involved for injuries as well, and contact emergency services if necessary. Make sure to gather information from anyone involved in the accident, as well as any bystanders who may have witnessed the accident. Take note of names, license plate numbers, insurance information, and contact information.

Once the authorities are on the scene you can give your statement, or file your statement online with the Atlanta Police Department. If you talk to the officer at the scene, make sure to get his or her name and badge number. After you have given your statement you should contact your insurance provider.

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 Atlanta.

Health Insurance Claims

Atlanta, Georgia 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 Atlanta, Georgia?

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.

The Georgia Commissioner of Insurance and Fire Safety provides guidelines for Atlanta residents to file an insurance claim for themselves. This task may seem difficult, especially if it is your first time. Most opt for their health insurance claims to be filed by their medical provider. When you file you will most likely receive an itemized bill, listing the services rendered and the total amount due.

It is important for you to know your health insurance network, and the coverages in your policy. WSB-TV Atlanta reports that healthcare workers have been speaking out against the removal of free healthcare options following the Covid-19 pandemic. They believe these options should be made available full time to those that need them.

Work With an Experienced Local Insurance Lawyer In Atlanta, Georgia.

If your health insurance provider refuses to honor a claim, seek out a qualified Atlanta 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 Georgia 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!