Insurance Claims in Cheyenne, WY
What Are Insurance Claims?
Filing an insurance claim in Cheyenne, 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 Cheyenne, 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.
Cheyenne homeowners face a variety of severe weather, including thunderstorms, hail, wildfires, tornadoes, and blizzards. In addition, most cities in Wyoming, including Cheyenne, have identified flood prone areas. According to the Wyoming Office of Homeland Security, thousands of buildings and other structures are located in Special Flood Hazard Areas. In fact, Laramie County is a high flood event area. Consequently, it is advisable for Cheyenne homeowners to purchase flood insurance through the National Flood Insurance Program (NFIP). Since the city of Cheyenne participates in the NFIP’s Community Rating System, city residents receive premium discounts ranging from 10% to 15%.
How to File a Property Insurance Claim in Cheyenne, 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
Under the Wyoming Insurance Code, your insurer must either deny or pay your claim within 45 days of receiving the proof-of-loss documentation. The insurer must use this time to verify and assess the damages. This process can take time, especially after a weather-related disaster. Consequently, it is critical that your documentation is as detailed and complete as possible.
Still, sometimes an insurer operates in bad faith, either through delays, claim denial, or a low settlement offer. Fortunately, you can take action to address this. As a first step, you can try to negotiate with the company to reconsider their decision. If this fails, you may need to contact the Wyoming Department of Insurance or file a lawsuit. An experienced Cheyenne insurance attorney can help you resolve your dispute with a fair settlement.
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?
According to the Wyoming Department of Transportation, you must notify the Cheyenne Police Department immediately after a crash involving injury, death, or property damage of $1,000 or more. If the accident occurs outside the city, you must notify the Laramie County Sheriff or Wyoming Highway Patrol. As of 2013, drivers are no longer required to file an additional owner/operator crash form, since the police report is sufficient.
Once the police are on their way, you should notify your insurance company. Since Wyoming is an at-fault insurance state, the at-fault driver’s insurance pays for the damages. However, Cheyenne drivers can add collision and uninsured motorist coverage on top of their mandatory liability insurance.
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 Cheyenne.
Health Insurance Claims
Cheyenne, 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 Cheyenne, 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 insurer refuses to cover your prescribed treatment in Cheyenne, Coverage Rights outlines steps you can take. Your first step is to appeal the decision by reviewing the determination letter and requesting additional information from your insurer and health provider. Then, you or someone in your health care provider’s office can submit the appeal request. Secondly, you can request an external independent review. In Wyoming, you are entitled to request an external review if the denial was based on lack of medical necessity. Finally, you can file a complaint with the Wyoming Department of Insurance.
Work with an Experienced Local Insurance Lawyer in Cheyenne, Wyoming.
If your health insurance provider refuses to honor a claim, seek out a qualified Cheyenne 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!
