Insurance Claims in Grand Rapids, MI

What Are Insurance Claims?

Filing an insurance claim in Grand Rapids, 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 Grand Rapids, 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.

Severe thunderstorms regularly tear roofs and uproot trees to damage property in Grand Rapids. For example, FOX 21 reported on a newly-purchased home damaged by 70 to 80 mph winds. The owners believed that lightning striking a tree caused most of the destruction. While they can repair and rebuild, ongoing battles over compensation can feel exhausting. If you feel stuck in a similar situation, you should strongly consider hiring a lawyer.

How to File a Property Insurance Claim in Grand Rapids, 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

Adjusting your claim comes first, as reported by the Rocky Mountain Insurance Information Association. The payments they offer usually depend on the destruction caused to your property. For example, companies will separate living expense compensation checks from funds for house repairs.

The Michigan Department of Insurance and Financial Services defines the expectations for when claims are overdue. Insurers should send money to claimants after receiving proof of loss within 60 days. However, this assumes a clean and uninterrupted process. If there are disagreements over coverage in your policy, the appeals and legal actions can drag on.

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 State Farm always recommend putting safety first after a car accident. Moving your vehicle out of the way and checking for injuries is the foremost concern. Only once you’re sure that everyone has the help they need should you move on to other steps. Crucially, you will want to gather information like:

  • Descriptions of the vehicles involved in the incident
  • Insurance company and policy details
  • Names and contact details for witnesses
  • Badge number and name of investigating police officers

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 Grand Rapids.

Health Insurance Claims

Grand Rapids, 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 Grand Rapids, 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.

The headaches often begin when a patient in Grand Rapids receives a denial for their treatment. Moreover, there may be ways that insurers can use the law to their advantage. Situations like this one still make headlines on local news stations like WWMT. For instance, advocates for catastrophic care reform continued to push for new legislation in 2022.

Work with an Experienced Local Insurance Lawyer in Grand Rapids, Michigan.

If your health insurance provider refuses to honor a claim, seek out a qualified Grand Rapids 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!

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