Insurance Claims in Worcester, MA

What Are Insurance Claims?

Filing an insurance claim in Worcester, 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 Worcester, 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.

NBC News 10 reports regularly about storm damage in Worcester. Tornadoes have thrown trees into local houses and businesses in the past. Moreover, the occasional wind storm or blizzard can easily destroy your roof or siding.

How to File a Property Insurance Claim in Worcester, 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

If you haven’t been through the process before, you may assume that everything leads to a lump sum payment. But, the Rocky Mountain Insurance Information Association asserts that you may receive multiple checks. Depending on your policy, these funds often have a designation for temporary repairs or cost of living needs.

If you’re paying a mortgage, all or some portions of this money will go to the bank. You will also need to provide proof that the repairs proceed as expected. But, you might receive checks from a lender to pay contractors for their work.

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?

An insurance company like State Farm asks that drivers pull over immediately after an accident. Check for injuries among yourself, your passengers, and the other party. Do not hesitate to call 911 right away if needed. The stress of the incident is not an excuse to fail a legal obligation to get emergency services.

You may need to submit a report to the Massachusetts Department of Transportation. This task becomes mandatory when one or more of the following apply:

  • There was an injury or injuries
  • There was a fatality
  • The damages to the vehicles totals more than $1,000

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 Worcester.

Health Insurance Claims

Worcester, 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 Worcester, 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.

If your insurance denies treatment, the Commonwealth of Massachusetts asserts you have 180 days to contest. Companies have to provide an internal appeals process to their policyholders. But, when it doesn’t work out, the next logical step is to have an independent review organization go over your claim. After that, it may be time to consult with an insurance claims lawyer.

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

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