Insurance Claims in New Jersey

What Are Insurance Claims?

Filing an insurance claim in New Jersey 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 New Jersey property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your New Jersey 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 New Jersey Department of Banking and Insurance provides an overview for homeowners in the state, complete with frequently asked questions. Fire and windstorm are two very common causes for property insurance claims. In addition, theft has been a prominent claim in the New Jersey area. In fact, the New Jersey State Government recommends that you call the police immediately after a home theft, even before you call your insurance agent.

How to File a Property Insurance Claim in New Jersey

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

According to the New Jersey Prompt Pay Law, an insurance company has 40 days to pay a claim once it has been submitted.

However, you should go into the claims process knowing that it can often be stressful and time consuming.  In addition, some companies have used stall tactics in order to delay and defer paying legitimate claims. reports that several restaurants and a gym were suing their insurance providers for their refusal to pay legitimate insurance claims concerning losses due to the Covid-19 pandemic.

If you find yourself facing a company, you should consider retaining the services of an experienced attorney in New Jersey.

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 New Jersey State Police offer online forms that you can fill out if you have been involved in an automobile accident. It is important to remain calm if you’ve been in a crash, regardless of fault. Check yourself, and others for injuries. You should then gather as much information as possible, both from any drivers involved and from bystanders who may have witnessed the accident. Contact the authorities and wait for the police to arrive on the scene. Once you’ve given your statement to the police, you should contact your insurance carrier and alert them to the fact that you’ve been in a crash.

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 New Jersey.

Health Insurance Claims

New Jersey 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 New Jersey?

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.

Horizon Blue New Jersey provides online forms that simplify the claims process for residents of the state. If you have never filed a health insurance claim before, understand that it may seem daunting or frustrating. Also keep in mind that it takes time, even when your claim is legitimate and approved. However, you may find yourself in a position where your claim is denied. If this is the case you should use the portal provided by to file an appeal, and contact an experienced attorney in New Jersey to help you with your fight to have your claim paid.

Work with an Experienced Local Insurance Lawyer in New Jersey

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