Insurance Claims in Tucson, AZ

What Are Insurance Claims?

Filing an insurance claim in Tucson, Arizona 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 Tucson, Arizona 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.

Tucson residents should try to be up to date on their insurance policies covering their property, both their home and vehicles. The Arizona Department of Administration Risk Management reminds everyone filing claims that there are separate filing protocols for auto claims, property claims, and liability claims. A-Z Arizona Claims Adjusters states that fire and wind damage constitute many of the property damage claims filed in Tucson. In addition, extreme heat can cause damage to your assets as well.

How to File a Property Insurance Claim in Tucson, Arizona

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

WalletHub confirms that insurance companies in Tucson have to settle and pay out legitimate claims within 40 days of filing. This is split into 3 separate stages. The company has 10 working days to acknowledge the claim once it is filed, and provide the proper paperwork to the insured. The company will then have 15 working days to make a decision on the claim after they have received the proof-of-loss forms. Once a claim is approved, the company has 15 days to pay the claim.

It’s important to remember that certain factors can cause the company to extend this timeline, such as needing more proof of damage. A company can also be backlogged if several claims are filed at the same time, usually pertaining to an event such as a devastating storm. However, you should keep a watch over your claim to make sure it is moving through the proper stages.

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 Arizona Department of Transportation provides the proper protocol for any resident of Tucson involved in a car accident. Please remember that it is illegal to flee the scene of an accident. Try to remain calm and pull your car to the side of the road. Check yourself, and others, for injuries and contact emergency services if necessary.

You should gather as much information as you can. Exchange information with anyone involved in the crash, and try to get information from any witnesses or bystanders. Give your statement to the Tucson Police Department when they arrive on the scene. Also, make sure to get the name and badge number of the officer you speak to. All this information will be instrumental when filing your claim later on.

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 Tucson.

Health Insurance Claims

Tucson, Arizona 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 Tucson, Arizona?

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.

Arizona Complete Health provides online guidance to help Tucson residents who are filing health insurance claims on their own behalf. Many are accustomed to allowing their healthcare provider to file for them, but this may not always be the case. When filing for yourself you should expect to receive an itemized bill that details the services rendered. However, you should always be sure to go through such a bill and be certain you are only being billed for services you received.

Work with an Experienced Local Insurance Lawyer in Tucson, Arizona.

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