Insurance Claims in Edison, NJ

What Are Insurance Claims?

Filing an insurance claim in Edison, New Jersey 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 Edison, New Jersey 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.

NJ Advance Media has reported on new extremes in weather patterns that can damage property. Heavy winter storms, intense heat, and even hurricanes can cause destruction in Edison. The dynamic nature of the weather can often lead to disputes over the coverage offered under your policy. Appeals may reverse some decisions, but a court battle could also be in your future.

How to File a Property Insurance Claim in Edison, New Jersey

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 New Jersey law, your insurance carrier needs to recognize a claim submission and provide any necessary forms. Subsequently, they have thirty days to investigate and remit payment to claimants. If there are disputes over their responsibility, that timeframe may extend. Appeals and starting legal action are both time-consuming processes.

Assuming that you agree to a settlement offer, those payments may not go directly to you. As asserted by the Insurance Information Institute, checks may go to your mortgage provider, or contractors hired for repairs. When Edison residents have concerns about this part of the claims process, they may want to schedule a consultation with an attorney.

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?

Insurance companies like Progressive recommend stopping in a safe spot as soon as possible after the accident. Taking this action applies to both minor and significant incidents. Furthermore, you must check for injuries. If anyone in your vehicle or the other party needs attention, do not delay and call 911. Other actions you want to take include:

• Exchange insurance information with the other driver(s)

• Speak to witnesses and ask for their contact details

• Take pictures of the damage

The New Jersey Department of Banking & Insurance states that you can choose a 1st or 3rd party claim. For instance, if you are not at fault, the other party’s insurance is likely the way to go. However, if you have personal liability for the incident, you may choose to file with your carrier.

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 Edison.

Health Insurance Claims

Edison, New Jersey 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 Edison, New Jersey?

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 you receive a denial, that event can leave you feeling anxious about what to do next. The first step to counter the decision involves internal appeals to your insurance carrier. Depending on the company, there may be several attempts to reverse a decision this way. An external review may help expose that you should have coverage, but it doesn’t always force a reversal. Ultimately, patients in Edison may need to file a complaint with the state and hire legal counsel.

Work with an Experienced Local Insurance Lawyer in Edison, New Jersey.

If your health insurance provider refuses to honor a claim, seek out a qualified Edison 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 New Jersey 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!