Insurance Claims in Louisiana

What Are Insurance Claims?

Filing an insurance claim in Louisiana 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 Louisiana property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your Louisiana 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. 

With the very real possibility of hurricanes making landfall, the Louisiana Department of Insurance provides a hurricane resource center that provides preparedness tips and educates the populace on how to handle insurance claims. With the specter of storms like Katrina and Ida still looming in the minds of many residents, you should always take every precaution when dealing with weather related catastrophes. Even if high winds don’t affect your home, you may be susceptible to the very common insurance claim of flooding.

How to File a Property Insurance Claim in Louisiana

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 confirms that insurance companies are not under any set timeframe or constraints when it comes to settling a claim. However, once a claim is settled, the insurance company, by law, has to pay the claim within 30 days. Still, ABC News reports that many people are filing suit against insurers due to the fact that they are dragging out the time in which they are supposed to pay.

If you believe you are being unfairly treated by the insurance company, you should consult with a local attorney in Louisiana. You should also make a habit of saving correspondence with the insurance company. This applies to emails, as well as any letters that have been sent.

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 have had the unfortunate experience of being in an auto accident in Louisiana, you should try and remain calm. The Louisiana State Police confirm that the accident must be reported, but especially if there has been a physical injury to a driver, passenger, or bystander. Make sure to get as much information as possible from bystanders and others involved in the crash, as well as from the police officers on the scene. Bigger cities in Louisiana, such as Baton Rouge, provide online trackers for severity and frequency of accidents.

Once you have followed the legal steps, you should then consult an attorney to help you file with your insurance company. If you are considered switching insurance providers, US News provides a list of the most economical rated providers in the state. However, you should remember that cheaper doesn’t always mean better.

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 Louisiana .

Health Insurance Claims

Louisiana 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 Louisiana ?

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.

The Louisiana Department of Health provides a simplified template and info packet on how to file claims in the state. This process can seem daunting, but the more you familiarize yourself with how it works, the less stressful it may seem. However, residents of Louisiana should be aware that certain employers are attempting to raise coverage rates for those with unvaccinated spouses. This is according to a report by the NY Times. If a coverage provider has attempted this, you might wish to consult with an attorney to discuss your options.

Work with an Experienced Local Insurance Lawyer in Louisiana

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