Insurance Claims in Casper, WY

What Are Insurance Claims?

Filing an insurance claim in Casper, Wyoming 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 Casper, Wyoming 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.

A report by Oil City News suggests that extreme weather events cost Wyoming $5 billion from 2010 to 2020. According to Wyoming News Now, the increase in these harmful systems has even raised electricity costs. At times, winds of up to 92 miles per hour can uproot trees and destroy homes. If you’ve suffered a similar event, the unfortunate truth is that legal disputes over these concerns can take time to resolve.

How to File a Property Insurance Claim in Casper, Wyoming

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

State Farm Insurance publishes a brief guide to how property claims work that is worth consideration. Once an insurer receives your request, an investigation should begin. The adjuster or claims processor will assess damages and distribute early payments. This money is often allocated for living expenses while your home needs repairs. The final settlement will be the trickier aspect to nail down.

While some states have a deadline for completing a settlement offer, Wyoming has no such requirement. According to WalletHub, a vague condition exists to resolve claims with reasonable promptness. Therefore, you will want to keep close track of correspondence. If a court battle breaks out later, this documentation can be critical to your case in Casper.

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?

Insurance companies like Liberty Mutual offer valuable advice on what to do after an accident. According to their website, there are five critical actions Casper motorists should take:

• Stay calm and check for injuries

• Call 911

• Take pictures of the scene of the accident

• Exchange information with other driver and don’t discuss fault

• Contact your insurance company to file a claim

The adjuster for your carrier will investigate the details of the incident and compare them to your policy. As discussed by American Family Insurance, they can look at police reports and may visit the scene of the accident. While this happens, you may schedule an appointment with an attorney and complete an independent assessment of the damage.

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 Casper.

Health Insurance Claims

Casper, Wyoming 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 Casper, Wyoming?

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.

If your insurance carrier denies the prescribed treatment, there can be weeks or months of appeals. However, Casper residents have a right to have a third-party review their situation. An external review is often necessary when you cannot achieve progress with a company. Another unfortunate trend reported by USA Today is a retrospective denial. If you received unexpected charges or believe bad-faith actions are at play, schedule a consultation with an attorney.

Work with an Experienced Local Insurance Lawyer in Casper, Wyoming.

If your health insurance provider refuses to honor a claim, seek out a qualified Casper 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 Wyoming 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!