Insurance Claims in Detroit, MI

What Are Insurance Claims?

Filing an insurance claim in Detroit, Michigan 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 Detroit, Michigan 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.

Detroit residents commonly file property damage claims as a result of theft and burglary, storm damage from high winds and debris, and fire and lightning. However, you can receive damage to your personal property, such as your automobile, from hazardous road conditions. If this happens to you, the Wayne County Government provides online instructions to file a claim against the city. If your car has been damaged by potholes or other unsafe road conditions, you should contact an experienced attorney in Detroit to help you file.

How to File a Property Insurance Claim In Detroit, Michigan

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

While WalletHub confirms that there is no statute determining a set amount of time for an insurance company to pay your claim, companies have to pay “promptly, and in a reasonable amount of time”.  However, there are certain instances where a company must operate within a timeframe. For example, the Michigan Department of Insurance and Financial Services declares that an auto insurance company has 60 days to pay a legitimate claim.

It’s important to remember that receiving payment for a claim can be a process. This process can be extended by the company asking for more evidence of damage, or from a rush of other claims being filed for the same event. However, an insurance provider is not permitted to overly draw out the process, or deny your legitimate claim. If this happens, then you should contact an experienced attorney in Detroit.

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?

If you are involved in an auto accident in Detroit, the most important thing you can do is stay calm. Emotions can run high after an accident, and this can lead to further mistakes. Stop your car and check yourself and others for injuries. Gather information from those involved and from any bystanders. Once a member of the Detroit Police Department arrives on the scene, give your statement, but do not admit fault. The fault is a matter for the insurance companies. Contact your insurance agent and alert them to the accident.

The State Bar of Michigan also reports a trend of insurance companies assigning case managers to become involved in the day-to-day medical care of an insured, and expecting the insured to go along with it. Should this happen, you may wish to seek the counsel of an experienced attorney in Detroit to make sure the insurance company does not overstep its bounds.

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 Detroit.

Health Insurance Claims

Detroit, Michigan 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 Detroit, Michigan?

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.

Detroit residents enrolled in the state healthcare of Michigan can easily file a claim using the online portal provided by the Department of Insurance and Financial Services. It’s important to remember that this is a process. Therefore, it may not always move as swiftly as you would like. If you are filing for yourself, you may have received treatment outside of your healthcare network. You’ll receive an itemized bill totaling what you owe, and the services and treatments you received.  Make sure to scrutinize the bill so that you are not being charged for services that you did not receive.

Work With an Experienced Local Insurance Lawyer In Detroit, Michigan.

If your health insurance provider refuses to honor a claim, seek out a qualified Detroit 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 Michigan 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!