Insurance Claims in Maryland

What Are Insurance Claims?

Filing an insurance claim in Maryland 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 Maryland property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your Maryland 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 Maryland Insurance Administration designates Maryland as a seaboard state. This is due to the state’s location close to the sea. As a result of this location, the most common property insurance claims have to deal with water and snow. Flooding and hurricane winds are common claims when dealing with parts of the coast. However, as you move inland, damage resulting from snow becomes a much more common claim.

How to File a Property Insurance Claim in Maryland

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

Whether you use a local provider such as Insurance Brokers of Maryalnd or Northern Chesapeake Insurance, or a more national provider, the claims process is generally the same.  The insurance provider will send a claims agent or adjuster to inspect the property and determine the validity of the claim. Once a claim is decided in your favor, the Attorney general of Maryland states that a provider has 30 working days in which to pay their responsibility to the claim.

However, there are instances of insurance providers acting in “bad faith”. There are certain practices, such as attempting to draw out the process, or wait for you to simply go away, that are illegal. If you believe you are experiencing such a bad faith action, you should contact an experienced attorney in Maryland.

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?

Auto accidents can be traumatic, regardless of the circumstances surrounding them. If you find yourself in an auto accident in Maryland, the Southern Maryland Chronicle advises you to:

  • Stay Calm
  • Check for any injuries
  • Gather facts and talk to witnesses
  • File reports with police and your insurance company

Once you are ready to file with your insurance provider, My Maryland Auto has a different set of tips to follow. You should first make sure to collect as many details as possible. This includes information not only about any other drivers involved in the accident but information from witnesses and bystanders as well. Next, you should limit discussions about the accident with anyone. Save these discussions for your attorney, if possible. Finally, you should file the claim as quickly as possible. This will help you make the report while all the details are fresh in your mind.

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 Maryland.

Health Insurance Claims

Maryland 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 Maryland?

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.

Health Insurance Claims in Maryland can be frustrating, especially if you have no help and are forced to file the claim by yourself. You will generally be billed after treatment, or after you have been discharged. The bill is generally itemized, including how the total amount owed. However, the NY Times states that health care costs are generally lower in Maryland due to policies enacted by local governance, as well as the state run medical board.

Work with an Experienced Local Insurance Lawyer in Maryland

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