Insurance Claims in Charlotte, NC

What Are Insurance Claims?

Filing an insurance claim in Charlotte, North 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 Charlotte, North 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 and winter weather are systematic causes of property damage in Charlotte. A recent example comes from reporting by Spectrum News 1. This storm uprooted trees that smashed into homes and vehicles during this storm. If you’re in a similar circumstance and an insurer refuses to pay, you may need legal counsel.

How to File a Property Insurance Claim in Charlotte, North 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

Insurers like the Travelers Indemnity Company provide general advice on how a property claim works. From the start, they recommend documenting the damage carefully while working with an adjuster. Furthermore, you should save receipts for repairs or cost of living expenses for later reimbursements. A few of the costs that can fall under this umbrella and include:

  • Hotel rooms
  • Car rentals
  • Day-to-day necessities
  • Food bought while the kitchen is in disrepair

Generally, a property claim in Charlotte should resolve in about thirty days. But, as reported by WalletHub, there is no specific deadline under North Carolina law. As a result, you have to use your best judgment to decide if an insurance company has not approached your claim in good faith.

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?

Charlotte residents can look to the North Carolina Department of Insurance for advice on this topic. They even provide a checklist that motorists can follow in the hectic aftermath. A few of the critical steps identified by the state government are:

  • Stop your vehicle in a safe spot away from traffic
  • Collect vital information from the other driver, like their insurance information
  • Get the name, address, and phone number of any witnesses
  • Call your insurer to file a claim

Policygenius, Inc. asserts that there are twelve states in the U.S. with no-fault legislation. Under this legal doctrine, insurance companies pay for passenger injuries regardless of fault. But, North Carolina continues to focus on blame for claims and legal battles. Accordingly, meeting with an attorney for a consultation earlier can be significantly better than waiting for later.

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 Charlotte.

Health Insurance Claims

Charlotte, North 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 Charlotte, North 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.

When a claim receives a denial in Charlotte, the patient has the right to appeal the decision. Moreover, the North Carolina Department of Insurance offers to review the adverse benefits decision with you. But, when you suspect that your carrier is not acting in good faith, schedule a consultation with an attorney.

Work with an Experienced Local Insurance Lawyer in Charlotte, North Carolina.

If your health insurance provider refuses to honor a claim, seek out a qualified Charlotte 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 North 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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