Insurance Claims in Charleston, SC

What Are Insurance Claims?

Filing an insurance claim in Charleston, South Carolina 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 Charleston, South Carolina 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.

Severe thunderstorms are a local example of an event that could lead to property damage. WCSC in Charleston reported in 2022 on tornadoes that destroyed fourteen homes and damaged forty-one others. The battles over the repairs can take significant amounts of time and work. If you’re facing this challenge, consider scheduling a consultation with an attorney.

How to File a Property Insurance Claim in Charleston, South Carolina

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 credit reporting company Experian recommends checking your paperwork before filing a claim. While you may expect natural disasters to be in your policy, coverage for them could be absent. Otherwise, like with a car accident, documentation will be critical. Any pictures, notes, or videos you take may become a part of future legal action.

According to WalletHub, current state law does not specify a deadline for insurers to offer a settlement. But, you don’t have to allow the vagueness in the law to go against your best judgment. If you believe a carrier is not acting in good faith, scheduling a consultation with an attorney in Charleston may be in your best interests.

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?

Regardless of fault, the primary concern is always the safety of everyone involved in the accident. Next, Car and Driver recommends calling the police and exchanging information. Optimally, you will also have the opportunity to ask witnesses for their contact details. Everything that you collect will improve your outcome with your insurance carrier. Furthermore, you may need to have these details for future legal proceedings in Charleston.

The South Carolina Code of Laws does not include a no-fault insurance policy. In many states, the insurer pays for passenger injuries, repairs, etc., without regard to fault. Without this legislation, you may need legal representation, especially if you are to blame for the incident.

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 Charleston.

Health Insurance Claims

Charleston, South Carolina 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 Charleston, South Carolina?

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.

A rejected claim can cause stress and worry to anyone living in Charleston and their loved ones. However, there are options available to you after receiving a denial. According to WebMD, the first step is to review the paperwork for your policy. Use this as an opportunity to organize your internal appeal to your insurer. Ensuring that you know the details will also help when requesting an external review by a state-approved organization. Unfortunately, the ultimate result may involve starting legal proceedings.

Work with an Experienced Local Insurance Lawyer in Charleston, South Carolina.

If your health insurance provider refuses to honor a claim, seek out a qualified Charleston 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 South Carolina 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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