Insurance Claims in Nebraska

What Are Insurance Claims?

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

ValuePenguin states that damage to homes from wind and hail are responsible for more than 34% of the homeowners claims filed in Nebraska. Due to its location in tornado alley, residents of Nebraska should always take precautions against high winds and tornadoes. Be Ready Nebraska provides a preparation manual for how to prepare, and what to do when, not if, a tornado touches down.

How to File a Property Insurance Claim in Nebraska

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 Nebraska is given 45 working days to settle a claim once you have filed. This is generally broken up into 3 fifteen day segments; 15 days to acknowledge the claim, 15 days to approve or deny the claim, and 15 days to pay the claim.

There are also laws enshrined in Nebraska concerning different types of insurance companies. For instance, The Nebraska Health Care Prompt Payment Act specifically targets a health insurance company that is taking too long to pay a claim. This law requires a healthcare insurance provider to pay interest on a claim if they take too long in remanding payment. This interest begins to accrue if the payment is not made within 30 days of the claims decision.

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 University of Nebraska encourages you to never flee the scene if you have been involved in an auto accident. This is illegal, and will only compound the trouble and stress of the accident. If you have been in an accident, regardless of fault, you should pull your car to the side of the road. Check yourself and others for injuries, as this is the first priority. Afterwards you should begin gathering the information of all those involved, as well as asking for statements from anyone who saw the crash.

Once the police arrive on the scene you’ll be asked to give a report. You can also file this report online, according to the Nebraska DOT. Make sure to take the badge number and name of the officer on the scene. Finally, you should file a report with your insurance company as soon as you can.

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 Nebraska.

Health Insurance Claims

Nebraska 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 Nebraska?

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.

Filing a health insurance claim can be stressful at times, especially if you aren’t acquainted with the process. The Nebraska Health Insurance Guide breaks down this process. Once you file your claim you will generally receive an itemized listing of the amount owed and the services rendered. The Nebraska Department of Insurance recently reported that changes in the law now prevent mental health or substance addiction from being prevented from healthcare coverage.

Work with an Experienced Local Insurance Lawyer in Nebraska

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