Insurance Claims in Billings, MT

What Are Insurance Claims?

Filing an insurance claim in Billings, Montana 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 Billings, Montana 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.

The Montana State Auditor provides a general homeowner’s guide that helps property owners in Billings manage their assets. It can be extremely helpful for homeowners to be able to differentiate between areas such as replacement costs and actual cash value, as well as understand what may or may not be covered in the state. Currently, 98% of homeowner claims generally result from damage due to fire, wind, hail, or flood. Damage from flooding is generally the most common claim.

How to File a Property Insurance Claim in Billings, Montana

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

According to the Montana State Legislature, an insurance company is given 30 days to pay a claim once proof of loss is established. However, there is an exception to this rule. If an insurer makes a reasonable request for further documentation of the damage, such as pictures or having an inspector review the damage, then they are legally able to push this timeline. What becomes illegal, or acting in “bad faith” is to purposely take extra time to drag out the process.

Such a case is currently being taken to court in Billings. AP News reports that Billings mine workers have become sick due to working conditions from asbestos. The workers have filed their claims, but have alleged that the health insurance company is attempting to delay the payment process, acting in bad faith. They contend that the court has already awarded the sum, and that the insurance should not take any longer to remand payment.

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 Montana Department of Transportation provides statistics for the yearly crashes that take place in Billings. If you are involved in an auto accident, the most important thing you can do is to try and remain calm. Check yourself for any injuries that may have occurred, and do the same for anyone else that may have been involved in the accident. Then, you should get statements and gather information from anyone nearby that saw the accident. You should call the police and give a statement to the Billings Police officer that arrives on the scene, as well as file a report with your insurance company. The Montana DOJ provides online forms that you can fill out and submit after an auto accident.

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 Billings.

Health Insurance Claims

Billings, Montana 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 Billings, Montana?

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.

Healthcare can be financially draining, and even confusing if you have not familiarized yourself with your policy. It’s important to have enough information about the healthcare process so you can make it as simple as possible. The Montana Insurance Commissioner provides an overview of what is entailed in the filing process. You will generally receive an itemized bill of services from your healthcare provider that must be submitted to your insurance carrier.

Work with an Experienced Local Insurance Lawyer in Billings, Montana.

If your health insurance provider refuses to honor a claim, seek out a qualified Billings 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 Montana 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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