Insurance Claims in Shreveport, LA

What Are Insurance Claims?

Filing an insurance claim in Shreveport, Louisiana 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 Shreveport, Louisiana 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 Louisiana Department of Insurance recommends checking to see if there is a hurricane deductible written into your homeowner policy. This is because Louisiana insurance companies generally apply a hurricane deductible to policies due to the frequency of storms in the state. Additionally, standard policies in Louisiana do not cover flood damage despite the serious risk of floods. However, Shreveport homeowners can purchase coverage separately from the National Flood Insurance Program.

How to File a Property Insurance Claim in Shreveport, Louisiana

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

Under Louisiana Law, an insurer must make a written offer to settle any property damage claim within thirty days after receipt of satisfactory proof-of-loss of that claim. Additionally, they must pay the amount of any claim due within thirty days after receipt of satisfactory proof-of-loss. Failure to pay without cause will result in a penalty for the insurer of 50% of the amount due.

Furthermore, in the case of catastrophic loss, the insurer must initiate loss adjustment of a property damage claim within thirty days after notification of loss by the claimant. Otherwise, the insurer must initiate loss adjustment of a claim within fourteen days after notification of loss by the claimant.

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?

According to the Louisiana DMV, if you are involved in an accident in Shreveport, you must stop as close to the scene as possible. Additionally, you must remove your vehicle from the roadway to the nearest soft shoulder. In fact, you must stop your vehicle even if the accident does not appear to be serious. Otherwise, you are considered a hit-and-run driver and could be fined or sent to jail.

The DMV recommends reporting all accidents to your insurance company. In addition, you should sketch a quick diagram of vehicle positions before and after the collision. The DMV also recommends taking photos to document injuries or damage. Furthermore, you should ask any witnesses for their names and contact information in case your carrier needs formal statements. This information will help your insurance company file an accurate 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 Shreveport.

Health Insurance Claims

Shreveport, Louisiana 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 Shreveport, Louisiana?

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.

According to GLAAD, Louisiana residents with pre-existing conditions are being denied health insurance coverage and care. Specifically, the three companies offering insurance under the Affordable Care Act are denying coverage to people who are HIV positive. According to Shreveport’s Philadelphia Center, prescriptions for HIV patients can cost as much as $10,000 a month. Moreover, the insurance companies are even refusing to accept third-party payments made by federal assistance programs. An advocate group has filed a civil rights complaint against the three insurers. They are also considering filing lawsuits against the three insurers if the federal complaints don’t cause the companies to reconsider.

Work with an Experienced Local Insurance Lawyer in Shreveport, Louisiana.

If your health insurance provider refuses to honor a claim, seek out a qualified Shreveport 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 Louisiana 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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