Insurance Claims in El Paso, TX

What Are Insurance Claims?

Filing an insurance claim in El Paso, 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 El Paso, 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.

Heaving winds, thunderstorms, and extreme winter weather regularly damage homes in El Paso. For instance, KFOX 14 reported on a wind storm that harmed businesses and houses in 2021. Later that year, a similar event tore through neighborhoods from Fort Boulevard to Alabama Street.

How to File a Property Insurance Claim in El Paso, 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

Insurance companies should resolve claims within 35 days of receiving them. WalletHub breaks this timeline down into three parts. In general, a property owner in El Paso can expect the following:

  • Recognition of your claim within 15 days of its submission
  • Investigation of the damage with a decision on the settlement offer up to 15 days later
  • 5 days to pay for an approved claim

Particular behaviors by your insurance carrier may rise to the level of acting bad-faith. Failing to respond promptly or misleading you about your coverage are examples of this lawbreaking. Consider scheduling a consultation with a local lawyer should you face these challenges.

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 Texas Department of Insurance recommends taking several actions after an accident. Assuming that there were no injuries, pull over to a safe spot by the side of the road. Take careful note of the location in El Paso, and complete the following:

  • Collect information from the other driver
  • Take pictures of the vehicles involved
  • Speak to witnesses and ask them for contact details
  • Write down notes about the incident

Share everything you learn with your insurance company and keep track of the correspondence. When disputes happen over the settlement offer, you will thank yourself for having detailed information. Even the tiniest details can give you leverage during appeals or civil actions.

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 El Paso.

Health Insurance Claims

El Paso, 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 El Paso, 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.

Should you receive a denial for treatment, you have the right to appeal the decision. A local insurer like El Paso Health gives patients up to 60 days to initiate this process. When this effort fails, requesting an external review usually follows. But, if a reversal does not happen, you will want to consider having a consultation with a local attorney.

Work with an Experienced Local Insurance Lawyer in El Paso, Texas.

If your health insurance provider refuses to honor a claim, seek out a qualified El Paso 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!

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