Insurance Claims in Scranton, PA

What Are Insurance Claims?

Filing an insurance claim in Scranton, 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 Scranton, 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.

Pennsylvania ranks in the top ten states for the homeowner claims from lightning damage. If you live in Scranton, you will also face damage from severe weather events such as floods, thunderstorm winds, hail, and heavy snow. Be aware, if you want flood coverage, you must buy it separately from the National Flood Insurance Program.

How to File a Property Insurance Claim in Scranton, 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

Pennsylvania’s Unfair Claims Settlement Practices Code governs the insurance claims handling process in Scranton and across the state. For example, your insurer must acknowledge your claim, and provide all necessary forms, instruction and reasonable assistance within 10 days of receiving the claim. As well, your insurer must complete their investigation of the claim within 30 days. If this is not possible, the insurer must provide a written explanation of why more time is needed.

Additionally, the insurer must accept or deny your claim within 15 working days after receiving a properly executed proof-of-loss statement. According to Policy Genius, Pennsylvania does not mandate a set time limit for paying a claim once it is accepted. However, the insurer must not unnecessarily or unfairly delay payment. You can consult with an experienced Scranton insurance attorney if you suspect your insurer is acting in bad faith.

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?

Immediately after a collision in Scranton, the best practice is to call 911 for emergency services. In fact, Pennsylvania Code mandates that you stay at the scene and exchange contact, registration, and insurance information. This is mandatory if the accident involves injury, death or property damage. Additionally, if the accident involves injury, death, or damage to the vehicle that prevents the involved parties from driving away, you must notify the police. Depending on where the accident happens you can notify the Scranton Police Department, the Lackawanna County Sheriff, or the Pennsylvania State Police.

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 Scranton.

Health Insurance Claims

Scranton, 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 Scranton, 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 Pennsylvania Insurance Department (PID) recommends filing an appeal when your insurer denies your medical claim or fails to pay it fully. In fact, PID provides an Online Guide to filing internal appeals and external reviews. The Guide even includes sample letters for requesting appeals and reviews. Keep in mind, an internal appeal must be filed within six months of receiving an adverse benefit determination. Furthermore, you have four months from the date you receive the decision on your internal appeal to file for an external review.

Work with an Experienced Local Insurance Lawyer in Scranton, Pennsylvania.

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

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