Insurance Claims in Indianapolis, IN
What Are Insurance Claims?
Filing an insurance claim in Indianapolis, 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 Indianapolis, 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 an ongoing threat to Indianapolis property owners. Additionally, hail can also do costly damage.
Homeowners insurance typically covers hail damage, but it is best to check your policy for any hail exclusions or coverage restrictions. However, flood damage is not typically covered in a homeowner policy. Consequently, Indianapolis homeowners should consider purchasing flood insurance from the National Flood Insurance Program.
How to File a Property Insurance Claim in Indianapolis, 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 Indianapolis do not have to process claims in a specific amount of time. This is because the state only requires the insurers to settle claims “reasonably promptly”. This applies to all aspects of the process, including communication, investigation, and settlement.
However, the Indiana Code does regulate unfair claims settlement practices. For example, failure to affirm or deny coverage within a reasonable time after proof of loss is considered a violation of the Code. Similarly, failure to adopt and implement reasonable standards for prompt investigation of claims is also a violation. If your insurer is violating the Code, you should contact an experienced Indianapolis 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?
If you are in an accident in Indianapolis, you should always stay at the scene, ensure your car isn’t blocking traffic, and call 911 for medical assistance. Under Indiana Code, you must notify the Indianapolis Police immediately if the crash involves injury, death, or property damage of $1,000 or more. However, if the accident occurs outside the city, you can contact the Marion County Sheriff or the Indiana State Police. Remember to obtain a copy of the crash report, as it will help determine who was at fault.
It is a good idea to keep the contact information for your insurance company in your cell phone. Since Indiana is an at-fault state for car insurance, the at-fault driver’s insurer pays for the other driver’s bills. Be aware, you can also initiate a lawsuit to get compensation for medical 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 Indianapolis.
Health Insurance Claims
Indianapolis, 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 Indianapolis, 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.
Under Indiana Code, a health insurer must deny or pay each clean claim not more than 30 days after the claim is received, if filed electronically. If filed on paper, the insurer must affirm or deny the claim within 45 days. Indiana defines a clean claim as one submitted by a health provider that has no defect or impropriety that would prevent payment. If the insurer determines the claim is not clean, they must notify the provider of any deficiencies. Failure to notify the provider within 30 days establishes the submitted claim as a clean claim.
Work with an Experienced Local Insurance Lawyer in Indianapolis, Indiana.
If your health insurance provider refuses to honor a claim, seek out a qualified Indianapolis 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!