Insurance Claims in Idaho Falls, ID

What Are Insurance Claims?

Filing an insurance claim in Idaho Falls, Idaho 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 Idaho Falls, Idaho 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 Trusted Choice, some of the most reported homeowner insurance losses in Idaho are due to:

  • Wildfires
  • Severe storms and lightning
  • Flooding and water damage
  • Earthquakes

Fortunately, according to the Idaho Department of Commerce, homeowners’ policies typically do cover damage from wildfires. If you live in Idaho Falls, you should confirm with your insurer that wildfires are a covered peril under your policy.

How to File a Property Insurance Claim in Idaho Falls, Idaho

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 the Idaho Department of Insurance, after you file a claim you should expect an investigation, policy review, damage evaluation, and a fair settlement discussion. Consequently, you should provide as much detailed information as possible when you meet with your claims adjuster in Idaho Falls. However, sometimes an insurer will operate in bad faith.

Fortunately, Idaho regulates insurance claims under the Unfair Claim Settlement Practices section of the Idaho Code. For example, some acts that the Code considers as unfair practices include:

  • Not acting reasonably and promptly upon communication with respect to insurance claims
  • Failing to conduct a reasonable investigation
  • Refusing to pay claims without reasonable investigation based upon all available information
  • Failing to affirm or deny coverage of claims within a reasonable time after proof-of-loss statements have been completed

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 Idaho law, an Idaho Falls driver involved in a car accident must stop immediately and remain at the scene. You should also ensure your car is not at risk for further damage or blocking traffic. If there are injuries or a fatality, you should call 911 immediately. Otherwise, contact the Idaho Falls Police Department or Idaho Highway Patrol so there can be an official investigation.

Your next call should be to your insurance company. According to WalletHub, Idaho is an at-fault state for car accidents. This means you would file a claim with the other driver’s insurer if they were at fault. Consequently, it is advisable to obtain a copy of the police report to help prove fault. You can purchase a copy of the crash report for $9.00 through the Idaho Transportation Department.

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 Idaho Falls.

Health Insurance Claims

Idaho Falls, Idaho 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 Idaho Falls, Idaho?

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.

Coverage Rights outlines the steps you can take if your health claim is denied in Idaho Falls. Your first step is to pursue an internal appeal with the insurer. If that fails, you are entitled to request an external review if your situation is urgent. You can also get an external review if you have not received a decision from the internal appeal within 35 days. If the insurer denies your coverage after the external review, you have the option to file a complaint with Idaho’s Department of Insurance.

Keep in mind, you can consult with an experienced Idaho Fall insurance attorney to determine if you have grounds for a lawsuit. The Idaho Statesman reported the story of an Idaho man who decided to sue Regence BlueShield of Idaho over a denied health claim. Doctors advised that the man be flown to Utah for care when an infection threatened to kill him. However, he ended up with a $56,800 bill that his insurance refused to cover.

Work with an Experienced Local Insurance Lawyer in Idaho Falls, Idaho.

If your health insurance provider refuses to honor a claim, seek out a qualified Idaho Falls 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 Idaho 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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