Insurance Claims in Boston, MA

What Are Insurance Claims?

Filing an insurance claim in Boston, Massachusetts 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 Boston, Massachusetts 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.

Metro Boston Property Inspections states that claims filed as the result of water damage are the most common for those living in Boston. This could be the result of leaking pipes, frozen pipes from cold weather, or storm damage. Fire damage, as well as damage from theft and burglary have also become more frequent through the last decade.

How to File a Property Insurance Claim in Boston, Massachusetts

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 Massachusetts State Government confirms that while there is no set timeline in which an insurance company must pay your claim, they are required to pay “promptly”. While you may have a different definition of prompt than the insurance company, it is important to remember that this is a process, and can be lengthened by several factors. The company may ask for more proof of the damage, such as pictures or statements. It can also lengthen the time period if a large number of claims are filed around the same time, such as claims involving a storm or hurricane.

However if you feel your insurance company is acting in bad faith you should contact an experienced Boston attorney. This happens when the company purposely tries to drag out the process, or refuses outright to pay a legitimate claim. The Boston Herald reported that certain insurance companies in the city were folding under the strain of paying claims during the Covid-19 pandemic.

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 LoPriore Insurance Company provides an overview of the steps to take for Boston residents who have been in an auto accident. Remember that it is never appropriate to flee the scene of an accident, no matter who is at fault. If you’re involved in a car crash you should

• Pull your car to the side of the road

• Call emergency services

• Exchange insurance information

• Cooperate with law enforcement on the scene

• Take photos

Once you’ve collected information and spoken to the Boston Police, you should contact your insurance agent. Make sure to get the name and badge number of the officer on the scene. Any information you give your agent will help him or her as they file your claim.

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 Boston.

Health Insurance Claims

Boston, Massachusetts 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 Boston, Massachusetts?

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.

Blue Cross Blue Shield Massachusetts provides a subscriber claim form for residents of Boston looking to file a health insurance claim.  It’s important for you to know which healthcare providers and services are within your network, and what your specific policy covers. The Boston Globe recently reported that despite the campaign slogans of politicians, many residents of Boston are dissatisfied with their insurance providers. In fact, many do not know what their policy actually covers.

Work with an Experienced Local Insurance Lawyer in Boston, Massachusetts.

If your health insurance provider refuses to honor a claim, seek out a qualified Boston 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 Massachusetts 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!