Insurance Claims in Evansville, IN

What Are Insurance Claims?

Filing an insurance claim in Evansville, Indiana 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 Evansville, Indiana 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.

According to Indiana University, severe flooding is a constant threat to Evansville homeowners. Consequently, Evansville homeowners should consider purchasing flood insurance from the National Flood Insurance Program. This is because flood coverage is typically not included in a homeowner policy.

How to File a Property Insurance Claim in Evansville, Indiana

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

According to WalletHub, insurance companies in Indiana do not have to settle a claim in a specific amount of time. Instead, Indiana requires them to settle claims reasonably promptly. However, Indiana Code does govern unfair claims settlement practices, including:

  • Not acknowledging and acting promptly on claims communications
  • Failure to affirm or deny coverage within a reasonable time after proof of loss
  • Failure to adopt and implement reasonable standards for prompt investigation of claims
  • Not attempting, in good faith, to promptly and equitably settle claims in which liability has become reasonably clear

If you suspect your insurer is acting in bad faith and violating the Code, you should consult with an experienced Evansville insurance 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?

Under Indiana Code, you must notify the Evansville Police Department immediately if the accident involves injury, death, or property damage of at least $1,000. If the accident occurs outside the city, you can notify the Vanderburgh County Sheriff or the Indiana State Police (ISP). The officer must forward a written report of the accident to the ISP within 24 hours after completing the investigation. You should obtain a copy of the report since it will help determine who is at fault.

Your next step is to contact your insurance company. According to WalletHub, Indiana is an at-fault state for car insurance. This means the at-fault driver uses their insurance to pay for the other driver’s bills. Additionally, drivers can sue the at-fault party for almost any type of loss, including lost wages, and emotional distress. Furthermore, you can sue for hospital bills that exceed the at-fault driver’s coverage.

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 Evansville.

Health Insurance Claims

Evansville, Indiana 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 Evansville, Indiana?

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.

The Indiana Department of Insurance (IDI) provides an online Health Insurance Consumer Action Guide for resolving healthcare insurance disputes. The Guide includes information such as how to make a health insurance claim, and how to deal with denied claims. For example, if your claim is denied, your appeal should be in writing and may require information from your doctor. Keep in mind, your insurer should be able to answer procedural questions about appeals over the phone. However, if you’ve tried unsuccessfully to resolve a claim, you can contact the IDI. In fact, companies will often resolve disputes after the IDI intervenes on a consumer’s behalf. Be aware, every request for IDI assistance must be in writing, and include any documentation to support your case.

Work with an Experienced Local Insurance Lawyer in Evansville, Indiana.

If your health insurance provider refuses to honor a claim, seek out a qualified Evansville 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 Indiana 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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