Insurance Claims in Honolulu, HI

What Are Insurance Claims?

Filing an insurance claim in Honolulu, Hawaii 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 Honolulu, Hawaii 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.

The State of Hawaii provides a comprehensive online guide for homeowners in Honolulu. There are many property claims filed by homeowners as a result of storm damage. High winds and hail, debris, and flooding are all common claims. In addition, fire and lightning claims are also a cause for concern in Honolulu. KHON2 reports that a lightning strike sparked a tree fire in Honolulu.

How to File a Property Insurance Claim in Honolulu, Hawaii

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

WalletHub states that an insurance company in Honolulu has 45 days to pay a legitimate claim. This is broken down in 2 stages. The company is given 15 days to acknowledge your claims and provide you with the paperwork necessary to move the claim forward. Then, the company is given 30 days to approve the claim’s legitimacy, and pay the claim if it is approved. It’s important to remember that this is a process, and may not always move as quickly as you would like.

However, insurance companies are not permitted to drag out this process. This is what’s known as acting in “bad faith”. In fact, Hawaii Statute expressly forbids an insurer from acting in this manner. If you feel your insurance provider is acting in bad faith you should seek the counsel of an experienced attorney in Honolulu.

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 First Insurance Company of Hawaii offers tips and resources for any Honolulu resident that is involved in an auto accident. The important thing to remember is to stay calm and stay in the scene. Pull your car to the side of the road and alert the police to the crash. Remember to check yourself for injuries, and check others as well. If it is needed, contact emergency medical services.

You should gather as much information as possible.  Get the names and insurance information of everyone involved in the crash. If there are any bystanders who saw the crash, get their contact information as well. When a member of the Honolulu Police Department arrives on the scene, give your statement. Finally you should contact your insurance provider and alert them to the crash.

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 Honolulu.

Health Insurance Claims

Honolulu, Hawaii 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 Honolulu, Hawaii?

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.

HMSA provides step by step guidance for Honolulu residents seeking to file a health insurance claim. This can be especially beneficial for those filing for the first time, as many choose to allow their medical provider to file on their behalf. You should expect to receive an itemized bill, detailing the treatment received and services rendered. Be sure to thoroughly examine the bill, and make certain you are not being charged for services you did not receive. If there is anything wrong with the bill, or you receive a surprise medical bill, you can file a complaint with the Hawaii Department of Commerce and Consumer Affairs. You should also seek the counsel of an experienced attorney in Honolulu.

Work with an Experienced Local Insurance Lawyer in Honolulu, Hawaii.

If your health insurance provider refuses to honor a claim, seek out a qualified Honolulu 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 Hawaii 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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