Insurance Claims in Winston-Salem, NC

What Are Insurance Claims?

Filing an insurance claim in Winston-Salem, North Carolina 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 Winston-Salem, North Carolina 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.

Based on reporting by WXII, storm systems can knock down trees and power lines in Winston-Salem. It’s not unusual for this debris to slam into homes or start fires. If your insurer gives you grief after an incident like this, you may need an attorney by your side.

How to File a Property Insurance Claim in Winston-Salem, North Carolina

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

North Carolina General Statutes include a prompt pay requirement that dictates how an insurer should resolve a claim. Principally, they should pay or give notice within thirty calendar days. The clock for this deadline starts ticking once a claimant begins the process.

Meeting with the adjuster from your insurer will drive most of the decisions for a claim in Winston-Salem. You will need to send paperwork and documentation to them promptly to keep things moving. During this process, you may receive cost of living payments. Otherwise, you’ll need to make plans for financial hardships.

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 North Carolina Department of Insurance has several recommendations for handling a car accident. In the immediate aftermath, the state government recommends that you:

  • Stop your vehicle in a safe spot close to the incident
  • Contact the police to notify them of injuries or a hit-and-run
  • Exchange driver’s license numbers and insurance information
  • Ask witnesses for their names and contact details

You will want to contact your insurance agent or another representative as soon as possible. Starting the claim process early and providing details will help things move smoothly. Additionally, keep track of all correspondence should you need to share it with an attorney.

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 Winston-Salem.

Health Insurance Claims

Winston-Salem, North Carolina 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 Winston-Salem, North Carolina?

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.

Unfortunately, patients in Winston-Salem can find themselves appealing a denial for their medical treatment. The U.S. Centers for Medicare & Medicaid Services identify two options to reverse the decision. Patients can try an internal appeal and an external review. When these options fail, your next call may be to a local attorney.

Work with an Experienced Local Insurance Lawyer in Winston-Salem, North Carolina.

If your health insurance provider refuses to honor a claim, seek out a qualified Winston-Salem 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 North Carolina 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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