Insurance Claims in Corpus Christi, TX
What Are Insurance Claims?
Filing an insurance claim in Corpus Christi, Texas 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 Corpus Christi, Texas 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.
Citizens Public Adjusters in Corpus Christi state that many property damage claims filed are the result of damage inflicted from storm related events. These can include regular events such as wind and hail, but also major events such as hurricanes and tornadoes. As recent as March 2022, FOX Weather reported that tornadoes were racing across the state of Texas, including Corpus Christi.
How to File a Property Insurance Claim in Corpus Christi, Texas
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
WalletHub states that an insurance provider operating in Corpus Christi has a total of 35 business days to pay your legitimate claim. This is generally separated into three segments. The company has 15 business days to acknowledge the claim and provide you with the paperwork to move forward. Then they have another 15 business days to approve or deny the claim. Once the claim is approved, the company has 5 business days to pay your legitimate claim.
It’s important to keep in mind that settling claims is a process that can be exacerbated by different factors, such as a flood of claims coming in at the same time for the same reason. It’s also important to stay up to date on your policy, both your coverage and your premiums. KRIS 6 News reports that many insurance companies are considering price hikes to combat the losses they’ve received due to claims filed for wind damage.
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.
Corpus Christi residents who are involved in a traffic accident can find a checklist of what to do in the aftermath provided by the Texas Department of Transportation. You can never leave the scene of an accident, especially if there are injuries or property damage. You should:
- Pull your car out of the flow of traffic
- Check yourself and others for injuries
- Alert EMT if necessary
- Exchange insurance information with all involved
- Gather information from any bystanders
Also, be sure to give your statement to the Corpus Christi Police Officer that arrives on the scene. You can also give your statement online. Once you have finished at the scene you should contact your insurance provider and alert them to the accident. Be sure to share with your provider all the information you obtained, as this will help with 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 Corpus Christi.
Health Insurance Claims
Corpus Christi, Texas 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 Corpus Christi, Texas?
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.
Blue Cross Blue Shield of Texas provides online guidance for residents of Corpus Christi filing health insurance claims for themselves. While Texas has a 10 year statute of limitations when filing a health insurance claim, it is always better to file as soon as possible. You’ll most likely receive an itemized bill, totaling the cost owed. You may also want to consider a Health Savings Account or investing in Group Health Insurance. KZTV 10 in Corpus Christi reports that many residents are turning to these options for optimal health care coverage.
Work with an Experienced Local Insurance Lawyer in Corpus Christi, Texas.
If your health insurance provider refuses to honor a claim, seek out a qualified Corpus Christi 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 Texas 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!