Insurance Claims in Springfield, MA

What Are Insurance Claims?

Filing an insurance claim in Springfield, Massachusetts 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 Springfield, Massachusetts 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 City of Springfield states that one of the more frequently asked questions is how to file a property damage claim against the city. This generally involves a negligence claim that deals with property damage being incurred as a result of the city’s inaction. Potholes are a good example of negligence property damage claims filed against the city of Springfield. However, it should be noted that there is a very high bar to prove such a claim.

How to File a Property Insurance Claim in Springfield, Massachusetts

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 Massachusetts State Government confirms that while there is no set timeline in which a Springfield insurance company has to pay your claim. It simply states that they are required to pay “promptly”. It’s important to remember that this is a process, and can be lengthened by several factors. The company may ask for more proof of the damage, such as pictures or witness statements. It can also lengthen the time period if a large number of claims are filed around the same time, such as claims involving a large storm or hurricane.

However, if you feel your insurance company is acting in bad faith, you should contact an experienced Boston insurance attorney. This happens when the company purposely tries to drag out the process, or refuses outright to pay a legitimate claim. If you feel your insurance provider is acting in bad faith, you should seek the counsel of an experienced Springfield MA attorney.

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 LoPriore Insurance Company provides an overview of the steps to take for Springfield residents who have been in an auto accident. Remember that it is never appropriate to flee the scene of an accident, no matter who is at fault. If you’re involved in a car crash you should:

  • Pull your car to the side of the road
  • Exchange insurance information with those involved
  • Cooperate with law enforcement on the scene
  • Take photos

Once you’ve collected information and spoken to the Springfield Police, you should contact your insurance agent. Make sure to get the name and badge number of the officer on the scene. Any information you give your agent will help him or her as they file 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 Springfield.

Health Insurance Claims

Springfield, Massachusetts 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 Springfield, Massachusetts?

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.

Blue Cross Blue Shield Massachusetts provides a subscriber claim form for Springfield residents looking to file a health insurance claim.  It’s important for you to know what your specific policy covers and which healthcare providers are within your network. The Massachusetts State Government recently reported that Springfield residents are eligible for a portion of the $4.5 million the government is spending on Covid-19 vaccine equity.

Work with an Experienced Local Insurance Lawyer in Springfield, Massachusetts.

If your health insurance provider refuses to honor a claim, seek out a qualified Springfield 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 Massachusetts 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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