Insurance Claims in Little Rock, AR

What Are Insurance Claims?

Filing an insurance claim in Little Rock, Arkansas 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 Little Rock, Arkansas 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.

The National Weather Service reported several severe thunderstorms in Little Rock on both March 6th and March 7th. This was after the ice storm in February as reported by CBS News 5. Weather related damages to homes are the most common property claims filed in Little Rock. Wind and hail damage, damage from debris, flooding, and even tornadoes are all common instances that cause homeowner’s to file a damage claim.

How to File a Property Insurance Claim in Little Rock, Arkansas

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

WalletHub states that an insurance company in Little Rock has a sum total of 45 working days to pay your legitimate claim. This time period begins when they receive your claim. The insurance company has 15 working days to acknowledge the claim and provide you with the proper paperwork. Then there is a period of 15 working days in which the company must approve or deny the claim. Once your claim is approved, the company has 10 working days to pay the claim.

It is important to remember that this is a process, and can sometimes move slower than you would like. Insurance companies are also within their rights to extend this time period by asking for more proof of damage. However, the company is not permitted to drag out the process in an attempt to get you to go away, or take less money than you are owed. If you feel your insurer is acting in bad faith, you should contact an experienced attorney in Little Rock.

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?

Any resident of Little Rock involved in an auto accident has to file a report with the Arkansas Department of Motor Vehicles. This is not the same as filing your report with the Little Rock Police Department. If you’re involved in an accident pull your car to the side of the road and check yourself for injuries. Make sure to check others for injuries as well.

You should gather as much information as possible, both from those involved in the accident, as well as from any bystanders who may have witnessed what happened. Wait for an officer to arrive on the scene and give your statement. Make sure to get the name and badge number of the officer. Finally, contact your insurance agent and alert him or her to the crash. Share all information you gathered with your agent.

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 Little Rock.

Health Insurance Claims

Little Rock, Arkansas 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 Little Rock, Arkansas?

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.

Blue Cross of Arkansas provides an overview for residents of Little Rock on how to file both health and dental claims. This can be a new experience for most residents, as many choose to allow their healthcare providers to file on their behalf. Expect to receive an itemized bill listing the treatments and services you received.

You should be sure to thoroughly examine the bill you receive, as well as research what your policy does and does not cover. You should also be aware that there can be bad faith actors, as reported by the Arkansas Democrat Gazette. It was recently reported that a Little Rock man responsible for a health insurance scheme was sentenced to 3 years for embezzling payments.

Work with an Experienced Local Insurance Lawyer in Little Rock, Arkansas.

If your health insurance provider refuses to honor a claim, seek out a qualified Little Rock 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 Arkansas 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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