Insurance Claims in New York, NY

What Are Insurance Claims?

Filing an insurance claim in New York, New York 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 New York, New York 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.

The New York City Comptroller states that Hurricane Ida caused unprecedented flooding in New York City, which led to a massive outpouring of property damage claims. While most will file their claims with their respective insurance providers, there are some residents who believe that the city is responsible for the damage to their homes. These claims are generally filed due to negligence on the part of the city. If you believe the city is responsible for property damage, you are encouraged to file a claim with the city.

How to File a Property Insurance Claim in New York, New York

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 insurance companies in New York City have a total of 35 business days to pay a legitimate claim. This process begins with 15 business days to acknowledge that they have received your claim, and provide you with the necessary paperwork to move the process forward. They will then have another 15 business days to approve or reject the claim. Once your claim is approved, the company has to remand payment within 5 business days.

This process may move slower than you would like, but there are several factors that could lengthen this timeline. These factors include the insurance company asking for further proof of damage, or a high volume of claims filed at the same time. However, if your insurer is acting in bad faith, you should contact an experienced attorney in New York City. Insurance Business America reports that the New York Appellate Court recently set the minimum standard for filing a bad faith lawsuit in the state.

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 NYPD gives a full breakdown of how to conduct yourself if you are involved in a traffic accident in New York City. Remember, fleeing the scene of an accident before exchanging insurance information is illegal. In addition, you are required by law to contact the police immediately if someone is injured or killed, a domestic animal is injured or killed, or if there is any property damage.

You should make sure to gather as much information as you can. Make sure to exchange information with anyone else involved in the accident. You should also get information from any bystanders who may have witnessed what transpired. After you give your statement to the police, contact your insurance provider and pass along news of the accident, as well as the information you gather.

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 York.

Health Insurance Claims

New York, New York 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 New York, New York?

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.

NY State of Health provides guidance for New York City residents that wish to file their own health insurance claims. While many choose to allow their provider to file on their behalf, there may be times where it is necessary for you to file. For instance, when you receive treatment or therapy outside your network. Generally you will receive an itemized bill, totaling all services provided. It is important that you stay up to date on your policy, and know what is and isn’t covered by your provider. For example, New York State is mandated to provide mental health care, but a recent report by the Long Island Press states that lawsuits have been filed as the state has failed to live up to this mandate.

Work with an Experienced Local Insurance Lawyer in New York, New York.

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