Insurance Claims in Memphis, TN

What Are Insurance Claims?

Filing an insurance claim in Memphis, Tennessee 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 Memphis, Tennessee 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.

Each year presents several examples of the hazards to property in Memphis. In March 2022, a severe thunderstorm caused a warehouse collapse and fell a tree into an apartment building. Earlier, another system of high winds dropped trees into homes, according to Action News 5.

How to File a Property Insurance Claim in Memphis, Tennessee

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

The Rocky Mountain Insurance Information Association provides some grounded expectations for what should happen. According to their website, the first step will be a meeting with an adjuster. This individual needs to assess the damage and compare it to the coverage in your policy. This comparison decides how much the insurer can offer for the destruction caused to a home in Memphis.

You may receive payments for your living expenses during this time. While you wait for a decision or repairs to finish, the costs for food and a place to stay can add up quickly. The final settlement offer is often where significant disagreements begin. If you cannot resolve these problems with a company, consider a consultation with a lawyer.

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?

An insurance company like GEICO offers advice for what motorists should do at the scene of an accident. First, if anyone needs medical attention, call 911 for emergency services. After you’ve ensured help is on the way, you can move on to the following:

  • Exchange information with the other party or parties involved
  • Document the damage done to vehicles
  • Call for a tow truck, if needed

In many cases, you can submit a claim immediately using an app on your smartphone. Regardless of how you do it, make sure to contact your insurer quickly. Furthermore, keep close track of your correspondence. This information may become critical to your consultation with an attorney in Memphis.

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 Memphis.

Health Insurance Claims

Memphis, Tennessee 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 Memphis, Tennessee?

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.

If patients have their health claims denied in Memphis, they have a right to an internal appeal. Moreover, you can request an independent review to examine your policy against the reasons for refusing treatment. Glaring discrepancies in this report can provide a basis for starting civil litigation. In point of fact, the Tennessee Supreme Court ruled in 2020 that patients can sue providers under the Tennessee Consumer Protection Act.

Work with an Experienced Local Insurance Lawyer in Memphis, Tennessee.

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