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 an agreement to protect the home from damage under specific occurrences. When you as a policyholder suffer a loss, you should find a dedicated Las Vegas, Nevada 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 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, 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. In fact, Nevada statute mandates that you stop at the scene if the crash involves injury, death, or damage to 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 actually 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 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 Las Vegas, Nevada?

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.

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. In fact, 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!

How It All Works

Call us or answer the questions on this site. Your category, location, and additional information will help us connect you to a legal professional and we’ll send you the results instantly.

Which Areas of Law?

We have attorneys in over 20 legal categories to choose from.

How Much Does This Cost?

We don’t charge you to be connected. Some legal categories require upfront fees while others do not. The legal professional will determine this with you before you commit to anything.