Insurance Claims in Louisville, KY
What Are Insurance Claims?
Filing an insurance claim in Louisville, Kentucky 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 Louisville, Kentucky 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 Kentucky Independent Insurance Agents, homeowner’s throughout Louisville and the state collect an average of over $500 million in insurance claims every year. Recently, tornadoes ripped through several towns in Kentucky, killing 74 people and causing millions of dollars worth of damage. Many are filing claims to rebuild their homes and their lives. However, it is important for you to remember that after filing a claim with your insurance company, you should never sign anything waiving your rights to pursue further reimbursement.
How to File a Property Insurance Claim in Louisville, Kentucky
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 in Louisville have to approve or deny payments within 45 days of the filing of a claim. In addition, the insurance company has to provide acknowledgement that they have received the claim within 15 days of reception. Insurance companies can at times be frustrating, especially when you’re waiting for a claim to be paid. But the law maintains that they must respond within this time frame.
However, there have been times where insurance companies have acted in bad faith. This occurs when an insurance provider attempts to delay the process, or attempts to pay less than a fair value. This is a violation of the Kentucky Consumer Protection Act and the Unfair Claims Settlement Practices Act. If you believe you are experiencing treatment such as this, you should consult with an experienced Louisville attorney.
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?
Bankrate implores any Louisville resident to never flee the scene of an accident. While tension and stress can run high in the aftermath of a crash, and nearly 14% of Kentucky drivers remain uninsured, you must try and remain calm and wait for the local authorities to arrive. You should make sure to take notes, and speak to any witnesses who may have seen what transpired.
Once you speak to local law enforcement, you should contact your insurance provider as soon as possible. Kentucky Farm Bureau states that you can make the reporting process easier by making sure to have the information about the other drivers involved, such as names and license plate numbers. You should also obtain the name of the officer at the scene, as well as the number for the police report filed.
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 Louisville.
Health Insurance Claims
Louisville, Kentucky 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 Louisville, Kentucky?
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.
US News reports that Governor Andy Bershear recently revamped the Kentucky Health Exchange run by the state. He stated that “open and fair exchange makes for a stronger economy in Kentucky”. However, WYMT reports that many in Kentucky have had trouble obtaining payment and benefits from the state for health and unemployment claims. If you’re facing delays such as these, you may want to consult with an experienced attorney in Louisville.
Work with an Experienced Local Insurance Lawyer in Louisville, Kentucky.
If your health insurance provider refuses to honor a claim, seek out a qualified Louisville 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 Kentucky 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!