Insurance Claims in Jackson, MS

What Are Insurance Claims?

Filing an insurance claim in Jackson, Mississippi 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 Jackson, Mississippi 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 MoneyWise, Jackson homeowners face the risk of property damage from hurricanes, severe storms, tornadoes, floods, and freak southern ice storms. In fact, Mississippi has been hit by no fewer than 18 hurricanes over the last 67 years. Hurricane Camille resulted in over $1.4 billion in total damage alone. Moreover, UCG Technologies ranked Mississippi 6th on the list of nine states with the most dangerous weather. If you live in Jackson, you should review your policy to ensure you have the peril coverage you need. Keep in mind, if you want flood coverage, you must purchase flood insurance from the National Flood Insurance Program.

How to File a Property Insurance Claim in Jackson, Mississippi

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 Policy Genius there is no set time limit for insurers to make a payment after accepting a claim in Mississippi. However, the Mississippi Homeowner Insurance PolicyHolder Bill of Rights establishes regulations to protect homeowners. Some of the rights outlined include the right:

  • To be treated fairly and honestly when making a claim
  • To reject any settlement amount offered by the insurance company
  • Receive at least 30 days’ notice of the non-renewal of their policy

Unfortunately, an insurer will sometimes act unreasonably and in bad faith in Jackson. Fortunately, a policyholder has the right to file a written complaint against their insurer with the Mississippi Department of Insurance (DOI). Moreover, you have the right to have that complaint investigated by the DOI.

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 a car accident in Jackson, stay calm, but gather as much information as possible. As well, the Mississippi Insurance Department recommends exchanging contact and insurance information with all parties. The Mississippi Bar (MB) reports that you must file a written accident report with the Jackson Police Department. Specifically, you must do this within 10 days if the accident involves injuries or property damage of more than $250. Keep in mind, providing false information in the report is illegal.

Additionally, MB advises against expressing any opinions concerning fault. Others could use these statements as evidence against you in a lawsuit. If you decide to sue, be sure to keep a record of expenses related to the accident. However, it is advisable to consult with an experienced Jackson attorney to determine if you have grounds for a lawsuit.

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 Jackson.

Health Insurance Claims

Jackson, Mississippi 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 Jackson, Mississippi?

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.

Even Mississippi residents in the medical profession struggle with denied health insurance claims. The Clarion Ledger reported a story of a 36-year-old doctor who was diagnosed with brain cancer. As a doctor at UMMC, he gets his insurance through the state. However, it is Blue Cross & Blue Shield of Mississippi that administers the state’s insurance plan. The article states that Blue Cross & Blue Shield denied his claim for the life-saving proton therapy, claiming it was unnecessary and experimental. Consequently, the family could be stuck with paying over $150,000 in medical bills. Furthermore, if there is a final denial for the man’s proton therapy, the family will file a lawsuit against the Mississippi insurer.

Work with an Experienced Local Insurance Lawyer in Jackson, Mississippi.

If your health insurance provider refuses to honor a claim, seek out a qualified Jackson 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 Mississippi 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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