Insurance Claims in Saginaw, MI

What Are Insurance Claims?

Filing an insurance claim in Saginaw, Michigan 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 Saginaw, Michigan 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.

Certain property damage claims in Saginaw are the result of weather related incidents, such as wind, hail, and flooding from heavy rains. However, there are property damage claims that you can file against the state, mainly resulting from negligence. This could be that your car was damaged from potholes or uneven roads that fall to the government to fix. However, the State Government of Michigan warns any Saginaw resident seeking to file a claim against the state, that many claims are denied under Governmental Immunity Laws.

How to File a Property Insurance Claim in Saginaw, Michigan

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 WalletHub, there is no statute determining a set amount of time for an insurance company to pay your claim in Saginaw. The law simply states that companies have to pay “promptly, and in a reasonable amount of time”. However, there are certain instances where a company must operate under a timeframe. For example, the Michigan Department of Insurance and Financial Services declares that an auto insurance company has 60 days to pay a legitimate claim.

It’s important to remember that receiving payment for a claim can be a process. This process can be extended by the company asking for more evidence of damage, or from a rush of other claims being filed for the same event. Still, an insurance provider is not permitted to overly draw out the process, or deny your legitimate claim. If this happens, then you should contact an experienced attorney in Saginaw.

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?

If you are involved in a car accident in Saginaw, you must remember to stay calm. Emotions can run high after an accident, and this can lead to further mistakes. Pull your car to the side of the road and check yourself and others for injuries. Gather information from any witnesses and from anyone involved in the crash. Once a member of the Saginaw Police Department arrives on the scene, give your statement, but do not admit fault. Fault is a matter for the insurance companies. Contact your insurance agent and alert them to the accident.

The State Bar of Michigan also reports a trend of insurance companies assigning case managers to become involved in the day to day medical care of an insured, and expecting the insured to go along with it. If this happens with your particular case, you may want to seek the counsel of an experienced attorney in Saginaw. Insurance companies can often overstep their bounds, and you may want someone watching them to make sure this does not happen.

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 Saginaw.

Health Insurance Claims

Saginaw, Michigan 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 Saginaw, Michigan?

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.

Residents of Saginaw enrolled in state healthcare plans can file a claim using the online portal provided by the Department of Insurance and Financial Services. You should remember that this is a process, and it may not move as swiftly as you would like. If you are filing for yourself, you may have received treatment outside of your healthcare network. You’ll receive an itemized bill totaling what you owe, and the services and treatments you received.  Make sure to scrutinize the bill so that you are not being charged for services that you did not receive. If you feel your healthcare provider is operating in bad faith, you should seek the counsel of an experienced Saginaw attorney.

Work with an Experienced Local Insurance Lawyer in Saginaw, Michigan.

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