Insurance Claims in Pittsburgh, PA
What Are Insurance Claims?
Filing an insurance claim in Pittsburgh, Pennsylvania 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 Pittsburgh, Pennsylvania 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.
Severe thunderstorms have a history of wreaking havoc on property in Greater Pittsburgh. The Philly Voice reported on a storm system in 2021 that hit the area particularly hard. Several tornadoes touched down at this time as a result of Hurricane Ida.
How to File a Property Insurance Claim in Pittsburgh, Pennsylvania
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
The Insurance Information Institute tells consumers that they may receive multiple checks before the end of the claim. Initial payments may go out to property owners in Pittsburgh for repairs or cost of living expenses. Generally, different types of coverage will result in separate checks. If you have a mortgage, some of this money may go to the bank first.
Receiving a final settlement offer that doesn’t come close to meeting your expectations is a stressful event. Optimally, you can negotiate and agree to an amount that allows you to move forward. If you cannot agree, or you feel that an insurer has acted in bad faith, it may be time to talk to a lawyer.
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.
Insurance agencies like Progressive want anyone involved in an accident to check for injuries first. If anyone involved needs medical attention, call 911 without delay. After ensuring everyone’s safety, consider the following a brief checklist of what to do next:
- Move your vehicle to the side of the road
- Notify the police of the accident
- Exchange information
- Take pictures of the vehicles
- File your claim as soon as possible
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 Pittsburgh.
Health Insurance Claims
Pittsburgh, Pennsylvania 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 Pittsburgh, Pennsylvania?
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.
The National Association of Insurance Commissioners identifies the top considerations for patients that do not have their claims approved. First, you want to pay close attention to the reason for the denial. In some cases, a healthcare provider in Pittsburgh may have simply used the wrong billing code. Or, your doctor could clear up a simple misunderstanding. If you feel that your insurer simply operates in bad faith, consider a consultation with an attorney.
Work with an Experienced Local Insurance Lawyer in Pittsburgh, Pennsylvania.
If your health insurance provider refuses to honor a claim, seek out a qualified Pittsburgh 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 Pennsylvania 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!