Insurance Claims in Madison, WI

What Are Insurance Claims?

Filing an insurance claim in Madison, Wisconsin 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 Madison, Wisconsin 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.

Madison.com reports that while there were no fatalities related to the tornado that touched down in 2021, there was significant property damage. Events such as these result in property damage claims being filed with insurance companies. In addition to tornadoes, common claims in Madison consist of wind and hail damage, theft and burglary, and claims filed as a result of fire and lightning.

How to File a Property Insurance Claim in Madison, Wisconsin

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 an insurance company in Madison has to acknowledge your claim within 10 days of its receipt. However, after this timeframe, there is no set time in which a company has to pay your claim. The law simply states that a company is required to pay you in a reasonable amount of time. However, there is no definition of the length of a reasonable amount of time.

Still, an insurance company in Madison is not permitted to act in bad faith. This can occur when a company purposefully draws out the claims process in order to lessen your payment, or even deny your legitimate claim. If this occurs, you should contact an experienced Madison 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?

The Wisconsin Department of Transportation outlines the criteria of when an auto accident must be reported in Madison. It’s important to remember that you must never flee the scene of an accident, as this will only complicate and intensify the situation. Try to remain calm, and check everyone involved for injuries. A crash must be reported if:

• Anyone is injured

• Over $1,000 of damage is done to one of the automobiles

• Over $200 of damage is done to any government building or property

Contact the Madison Police Department and wait for an officer to arrive on the scene. Give your statement, but make sure to get the name and badge number of the officer. You should also gather information from everyone involved in the crash, as well as any witnesses. Once you’re finished at the scene, contact your insurance agent and alert him or her to the crash as soon as possible. Pass along all the information you gathered. This could be crucial when filing your claim.

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 Madison.

Health Insurance Claims

Madison, Wisconsin 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 Madison, Wisconsin?

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.

ForwardHealth Wisconsin provides online forms, as well as a walkthrough guide, for Madison residents seeking to file a health claim on their own behalf. Filing a health insurance claim may seem disconcerting in the beginning, especially if you are accustomed to the claim being filed by a medical provider. You’ll generally receive an itemized bill detailing the services you’ve received.

However, you should examine each bill and make sure you do not receive what is known as a “surprise medical bill”. This can occur when a provider is supposed to pay a certain portion of your bill, but attempts to pass that portion on to you. WXPR states that it is no longer legal for a Madison resident to receive a surprise medical bill. If you receive such a bill, you should contact an experienced Madison attorney.

Work with an Experienced Local Insurance Lawyer in Madison, Wisconsin.

If your health insurance provider refuses to honor a claim, seek out a qualified Madison 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 Wisconsin 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!