Insurance Claims in Oklahoma

What Are Insurance Claims?

Filing an insurance claim in Oklahoma 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 Oklahoma property insurance lawyer. Your legal advocate works on your claim to ensure that you receive the benefits necessary to repair or rebuild your Oklahoma 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 Oklahoma Insurance Department encourages all homeowners in the state to stay up to date with information on high winds and tornadoes as they pertain to their insurance policies. Because Oklahmoa lies within “tornado alley”, you should check your homeowner’s policy to see if a high wind deductible applies. If you have such a deductible, you’ll have to pay a certain percentage of the damages before the insurance will cover any costs.

How to File a Property Insurance Claim in Oklahoma

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 states that insurance companies in Oklahoma generally have a time period of 75 days in which to pay a legitimate claim. This time frame consists of 30 business days to acknowledge receipt of the claim and send you the proper paperwork, and then 45 days to make a decision on the claim. This process can often seem very slow, even when the insurance company is acting in good faith. It’s important to keep in mind that several factors can contribute to this process, such as multiple injuries in a claim. A company is also within their rights to file an extension if they feel they need more evidence.

However, if you believe a company is acting in bad faith, then you have every right to demand a fair process. If a company is purposely dragging out this process, or if they are refusing to pay a legitimate claim outright, you may want to seek legal counsel. It may be in your best interest to seek out an experienced attorney in Oklahoma.

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?

Car Accident Help offers steps you should follow if you happen to be involved in an auto accident in Oklahoma. It’s important to remember to remain calm after an accident. Make sure that neither you or anyone else involved has sustained any injuries. You should gather as much information as possible. Take pictures of the scene on your smartphone, and get the information of all drivers involved. You should Also take notes from any bystanders that witnessed the crash.

Once the Oklahoma State Police arrive, you should give your statement to the officer. Make sure to record the officer’s name and badge number. Once you’ve spoken to the authorities, alert your insurance company as soon as possible. You’ll need to pass on all the information you gathered, as well as be available for further interviews.

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 Oklahoma.

Health Insurance Claims

Oklahoma 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 Oklahoma?

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 seem daunting, especially after a procedure or stay in a healthcare facility. Once you’ve submitted a claim you should expect for the insurance company to investigate the validity, as well as contact you if any treatment or therapy isn’t covered by your policy. However, there are times when legitimate claims are denied by health insurance providers. OK Law states that if your claim has been mishandled you should file a complaint with the Oklahoma Insurance Department as soon as possible. You should also seek the counsel of an experienced Oklahoma attorney.

Work with an Experienced Local Insurance Lawyer in Oklahoma

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