Insurance Claims in Idaho

What Are Insurance Claims?

Filing an insurance claim in Idaho can be a stressful process. Every policy is different, and insurance companies may not pay you what you deserve. In many cases, hiring an insurance claim lawyer 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 property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your Idaho 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. 

AAA recommends double-checking your policy for potential holes in your coverage. In Idaho, damage to your home can come from high winds, ice, or a snow-coated roof. Other concerns to review with your insurance carrier include:

• Frozen pipes

• Ice dams

• Falling trees

• Rain and wind damage

• Wildfires

How to File a Property Insurance Claim in 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

The Idaho Department of Insurance provides expectations for what should happen after filing a claim. The general steps include an investigation, policy review, damage evaluation, and settlement discussion.

At the start, have as much information to share as possible when you meet with a claims adjuster. This part of the process represents your opportunity to present your view of the facts. Any other parties involved will also have the chance to share their side of the story.

The adjuster will compare your policy to the facts during the policy review. The result will be an assessment of your deductible. To further evaluate the damages, appraisers and other professionals will consider the state of your property. The estimates produced at this time will drive the discussions you have about the settlement offer. If you do not agree with these assessments, a legal battle may be necessary to get what you deserve.

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?

Idaho Statutes dictate that anyone involved in a car accident stop immediately. The law suggests pulling over to the shoulder, an emergency lane, or median. If medical assistance is necessary, call 911. Otherwise, contact the local police department or highway patrol so they can investigate.

Regrettably, not everyone does the right thing after being in a car accident. Based on reporting from Bankrate, more than 13% of drivers in the state do not have insurance. An individual in this circumstance may run to try and avoid their financial and legal liabilities. If you’ve been the victim of a hit-and-run, the recommended steps to take to seek redress include:

• Call the police

• Document the damage done to yourself, passengers, and the vehicle

• Contact your insurance company as soon as possible

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.

Health Insurance Claims

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 be 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?

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.

If your insurance carrier denies a prescribed treatment, they may have committed a bad faith violation. This type of unfair or deceptive practice is illegal under Idaho Statutes. Some examples under current law include:

• Misrepresenting a policy’s coverage

• Failing to communicate promptly

• Trying to settle for significantly less than a reasonable amount

• Refusing payment without an investigation of the available information

Work with an Experienced Local Insurance Lawyer in Idaho

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