Insurance Claims in Kansas

What Are Insurance Claims?

Filing an insurance claim in Kansas 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 Kansas property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your Kansas 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 Kansas Insurance Department regulates property insurance and claims for the state. As well, they educate the populace on what can and cannot pass the claims process. While the most common claim for property is water damage, the Kansas Department of Transportation states that residents can petition the state if faulty roads or potholes cause damage to their automobile. However, you will generally have to show negligence on the part of the state.

How to File a Property Insurance Claim in Kansas

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 Kansas Prompt Pay Act allows a time frame of 45 days in order to pay out a property damage claim in the state. While this is a standard timeframe, it can often feel daunting while you wait on money to replace your damaged property. However, for severe property damage to  a living structure, owners should also factor in the added expense of staying in another location until their property is fully repaired.

The Kansas Insurance Department must also factor in storm losses when processing insurance claims. Being located in what is known as “tornado alley”, Kansas must factor in tornadoes, storms, and hail when deciding which claims to honor. Kansas residents should also be aware that there is currently a rash of insurance providers leaving states, as they are finding certain areas too risky to insure.

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?

Being in an auto accident can be scary. Not only do you deal with possible physical injury, but there is the added stress of property damage to your car and possibly another. The Kansas State Legislature requires you to give certain information if you’re involved in an auto accident that causes injury to another. You’re required to provide your basic information as well as proof of insurance. KSN reports that recently a man fled the scene of an auto accident and attempted to hide from police in a garbage can. This is not the way to go about handling an auto accident.

The Kansas State Bar lists a few tips on how to conduct yourself after an accident. These include:

  • Making written notes
  • Taking pictures of all vehicles involved
  • Getting the name and badge number of the officer at the scene
  • Report the incident to your insurance company

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 Kansas.

Health Insurance Claims

Kansas 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 Kansas?

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.

KSNT reports that small groups and businesses in Topeka are now able to group together under a single umbrella insurance plan. This was spearheaded and achieved by the Greater Topeka Partnership. This allows small businesses to get lower rates for their healthcare coverage by collectively purchasing a plan and equally shouldering the costs associated with it.

Work with an Experienced Local Insurance Lawyer in Kansas

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