Insurance Claims in Las Vegas, NV
What Are Insurance Claims?
Filing an insurance claim in Las Vegas, Nevada 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 designed to protect your property from specific types of damage. If you experience a loss, it’s crucial to consult a dedicated property insurance lawyer in , . They can help ensure you receive the full benefits needed to repair or rebuild your home.
If your insurer denies or delays coverage, it may be grounds for a bad faith claim. Consulting a property insurance attorney can help you navigate this process. If your case goes to court and you win, you may recover not only your coverage benefits but also court costs and attorney fees. Depending on state laws, you could even be eligible for additional compensation.
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 States at Risk, more than 1.2 million people in Nevada are living in areas at elevated risk of wildfire. This represents approximately 46 percent of the state’s population. In addition, according to Nevada’s Joint Information Center, Nevada homeowners also face property damage risk from earthquakes and flash floods. Although wildfire is usually a covered peril, flooding is not. However, Las Vegas homeowners can purchase coverage separately through the National Flood Insurance Program.
How to File a Property Insurance Claim in Las Vegas, Nevada
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
Nevada law governs the timeline that insurers must follow when processing a homeowner claim. For example, once the executed proof of loss is received, the insurer must affirm or deny the claim within 30 days. In addition, the insurer must notify the claimant in writing, and include reference to the specific policy provision that led to the decision. If the claim is approved, the insurer must pay within 30 days after you accept the offer. If they delay, the insurer must pay interest until the claim is fully paid.
Keep in mind, that the investigation can prove to be the most complex part of the process. For example, a claim may require multiple visits from an adjuster. A Las Vegas claimant can do their part by providing a detailed proof of loss statement which may include photos and even video. Nevada allows an insurer to take extra time to complete an investigation. However, the insurer must notify the claimant within 30 working days from receipt of the proof of loss if more time is needed.
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 involved in a car accident in Las Vegas, stay at the scene and call 911 for medical assistance. Nevada statute mandates that you stop at the scene if the crash involves injury, death, or damage to a vehicle or property. In any accident, you should notify the Las Vegas Police or Nevada Highway Patrol as soon as possible. However, if there are no injuries and less than $750 in damage, an officer may not come out to the accident site. In this case, you are responsible for filing Form SR-1 with the Nevada DMV within 10 days.
Remember to notify your insurance company of the accident as soon as possible. Since Nevada is an at-fault state, it is very important to gather evidence at the scene of the accident to help establish fault. This is because the at-fault driver’s insurance pays to cover the other driver’s damages.
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 Las Vegas.
Health Insurance Claims
Las Vegas, Nevada 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 Las Vegas, Nevada?
There are two primary ways to file a health insurance claim. The first is when the medical facility directly notifies your insurer on your behalf. Depending on your policy, you may be able to leave the facility without any out-of-pocket costs. The second option is filing the claim yourself, which may be necessary if the healthcare provider is out of your network. While the facility might still submit the claim, you may need to handle it independently.
Denied health insurance claims can have dire consequences. The Las Vegas Review-Journal recently reported that the family of a Las Vegas man won a $200 million verdict against Sierra Health. The man had been denied health insurance coverage for proton beam therapy for lung cancer and later died. The article reports that Sierra Health denied the claim without investigation, without consideration of the insurance contract, and in disregard of Nevada law. Even still, the company plans to appeal the decision.
Work with an Experienced Local Insurance Lawyer in Las Vegas, Nevada.
If your health insurance provider refuses to honor a claim, seek out a qualified Las Vegas 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 Nevada 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!
About the Author
Aaron is a professional legal writer with a B.S. in English Education from Southern Illinois University – Carbondale. He has written, published, and edited thousands of legal articles for RequestLegalHelp, which has connected over 5 million people to legal help in the United States.
With over five years of experience writing thousands of legal articles for law firms across the U.S. and Canada, Aaron specializes in covering federal, state, and city-level legal issues ranging from auto accidents to wrongful terminations.
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