Insurance Claims in Raleigh, NC

What Are Insurance Claims?

Filing an insurance claim in Raleigh, North Carolina 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 Raleigh, North Carolina 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 Raleigh Public Adjuster states that while hurricanes are a concern for homeowners and property owners in Raleigh, they are not the main cause of property damage claims filed. Water damage, wind damage, flood damage, and tornado damage are all more prevalent when dealing with property claims. In addition, fire and lightning claims make up a substantial amount of claims filed. WRAL News reports that 17 individuals were displaced, and were 2 injured by a fire that burned through an apartment complex in Raleigh.

How to File a Property Insurance Claim in Raleigh, North Carolina

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 North Carolina Department of Insurance highlights the prompt Payment Laws that govern all insurance companies in Raleigh. Insurance companies have to remand payment for legitimate claims within 30 days. If a claim is denied at the end of this process, these laws require that insurance companies list their reasoning for denying the claim, as well as listing lack of coverage or eligibility for each individual claim.

However, there are certain companies that act in “bad faith” when dealing with a legitimate claim. This involves refusing to pay the claim, or simply trying to drag out the payment process. While companies are entitled to extra time if they need more proof of damage, they are not entitled to act in bad faith. If this is happening with your claim, you should sek the counsel of an experienced attorney in Raleigh.

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 North Carolina Department of Insurance provides a safety checklist to go through if you have been involved in an accident in Raleigh. You should try to:

  • Stop your car in a safe place
  • Remove your car from the flow of traffic
  • Contact the police
  • Gather information from bystanders and those involved in the crash

You should give your statement to the officer from the North Carolina State Highway Patrol or the Raleigh Police Department, whichever arrives on the scene. Once you have finished at the scene you should contact your insurance provider and alert them to the accident. Be sure to share with your provider all the information you obtain, as this can help with your claim.

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 Raleigh.

Health Insurance Claims

Raleigh, North Carolina 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 Raleigh, North Carolina?

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.

BlueCross BlueShield North Carolina provides an online guide to help simplify the claims process for those residents of Raleigh. You should make sure to know your policy and coverage, as there are times when a medical provider will attempt to bill you for services that they are responsible for. The only time you should receive a bill for you to pay is when you have received treatment or services that are outside of your network. In this case, you’ll receive an itemized bill that details services rendered, as well as the sum total owed. If you believe your health insurance company is acting in bad faith, or if you receive a surprise medical bill, you should contact an experienced attorney in Raleigh.

Work with an Experienced Local Insurance Lawyer in Raleigh, North Carolina.

If your health insurance provider refuses to honor a claim, seek out a qualified Raleigh 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 North Carolina 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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