Insurance Claims in Newark, NJ

What Are Insurance Claims?

Filing an insurance claim in Newark, New Jersey 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 Newark, 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 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 Newark. This overview includes frequently asked questions, as well as procedures on how to file your claims. Wind and hail claims are very common for those living in Newark, as well as fire and lightning claims. In addition, theft and burglary claims are on the rise in Newark. In fact, NJ.com reports that crime is on the rise in Newark while arrests across the city are down.

How to File a Property Insurance Claim in Newark, 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. The company is given 10 days to acknowledge the claim and provide you with the paperwork to move forward. The company is then given 30 days to approve or deny the claim. If the claim is approved, the company has to pay within this 30 day timeframe.

However, you should be aware that if you file a 3rd party claim, the company will be given 45 days to make a decision and pay the claim. You should also keep track of how the company is proceeding with your claim; keep all emails and paper correspondence if you can. If you feel your insurer is operating in bad faith, attempting to delay payment or unfairly extend the process, you should contact an experienced attorney in Newark.

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 offers residents of Newark the ability to fill out forms online to report being involved in an auto accident. Once you pull our car to the side of the road, you should 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 Newark.

Health Insurance Claims

Newark, 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 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 Newark, 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 for Newark residents. These forms help to simplify the claims process for those filing on their own behalf. 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 Healthcare.gov to file an appeal, and contact an experienced attorney in Newark.

Work with an Experienced Local Insurance Lawyer in Newark, New Jersey.

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