Insurance Claims in Baltimore, MD

What Are Insurance Claims?

Filing an insurance claim in Baltimore, Maryland 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 Baltimore, Maryland 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.

Damage from wind, hail, theft, and water/freezing damage are all among the common property claims filed in Baltimore. When filing a claim, it’s important to note whether your policy covers actual cash value, or the full replacement value of your property. The Maryland People’s Law Library also reminds residents of Baltimore that there is a statute of limitations when filing a property damage claim. This statute expires after 3 years.

How to File a Property Insurance Claim in Baltimore, Maryland

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

Whether you use a local provider such as Insurance Brokers of Maryalnd or Northern Chesapeake Insurance, or a more national provider like Geico, the claims process is generally the same.  The insurance provider will send a claims agent or adjuster to inspect the property and determine the validity of the claim. Once a claim is decided in your favor, the Attorney General of Maryland states that a provider has 30 working days in which to pay their responsibility to the claim.

However, there are instances of insurance providers acting in “bad faith”. There are certain practices, such as attempting to draw out the process, or wait for you to simply go away, that are illegal. If you believe you are experiencing such a bad faith action, you should contact an experienced attorney in Baltimore.

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?

Auto accidents can be traumatic, regardless of the circumstances surrounding them. If you find yourself in an auto accident in Baltimore, remember the following tips:

  • Stay Calm
  • Check for any injuries
  • Alert the police or paramedics
  • Gather facts and talk to witnesses
  • File reports with police and your insurance company

Once you are ready to file with your insurance provider, My Maryland Auto has a different set of tips to follow. You should first make sure to collect as many details as possible. This includes information not only about any other drivers involved in the accident, but information from witnesses and bystanders as well. Next, you should limit discussions about the accident with anyone. Save these discussions for your attorney, if possible. Finally, you should file the claim as quickly as possible. This will help you make the report while all the details are fresh in your mind.

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 Baltimore.

Health Insurance Claims

Baltimore, Maryland 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 Baltimore, Maryland?

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.

Health Insurance Claims in Baltimore can seem overwhelming, especially if you have no help and are forced to file the claim by yourself. You will generally be billed after treatment, or after you have been discharged. The bill is generally itemized, including how the total amount owed. Baltimore Life Companies answer many frequently asked questions, and provide tips on how to file for yourself. You can also find helpful information through the Maryland Health Exchange.

Work with an Experienced Local Insurance Lawyer in Baltimore, Maryland.

If your health insurance provider refuses to honor a claim, seek out a qualified Baltimore 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 Maryland 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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