Insurance Claims in Columbus, GA

What Are Insurance Claims?

Filing an insurance claim in Columbus, Georgia 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 Columbus, Georgia 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.

The Georgia Commissioner of Insurance and Fire Safety urges all homeowners in Columbus to invest in proper homeowner’s insurance policies. Fire and lightning, theft and burglary, as well as damage resulting from high winds are common claims for residents of Columbus. WTVM reports that there is a large rise in automobile break-ins that is plaguing those living in Columbus.

How to File a Property Insurance Claim in Columbus, Georgia

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

As stated by WalletHub, insurance companies in Columbus have 40 days to pay a legitimate claim. This is generally broken into 3 separate periods:

  • 15 days to acknowledge the claim and provide proper paperwork
  • 15 days to approve or deny the claim
  • 10 days to remand payment once the claim is approved

However, there are instances of insurance companies acting in “bad faith”. These actions occur when a company attempts to illegally delay or deny a valid claim. If you are receiving this type of treatment from your insurer, you may want to seek the counsel of an experienced attorney in Columbus.

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 Georgia Department of Transportation provides crash reporting forms online for those involved in an accident in Columbus. It is important to remember that you must never leave the scene of an accident, regardless of fault. Make sure to check yourself for injuries, and check others as well. You should then exchange information with everyone involved in the crash, and take notes from any bystanders there as well.

A member of the Columbus Police Department or the Georgia State Patrol will arrive on the scene and take statements. Make sure to get the name and badge number of the officer with whom you speak. This information will all be instrumental for you when you 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 Columbus.

Health Insurance Claims

Columbus, Georgia 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 Columbus, Georgia?

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.

Columbus Consolidated Benefits simplifies the claims process to allow Columbus residents to file for themselves, if necessary. Some may choose to file for themselves, while others may be required to if they receive treatment out of network.

Regardless, you should take care to stay up to date on what your policy does and does not cover. Yahoo News reports that several healthcare companies are expanding their coverage both in Atlanta and Columbus. You may wish to check with your health insurance provider to see if your coverage has been expanded.

Work with an Experienced Local Insurance Lawyer in Columbus, Georgia.

If your health insurance provider refuses to honor a claim, seek out a qualified Columbus 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 Georgia 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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