Navigating the different types of insurance claims can be tricky, and is certainly not something you want to deal with when faced with an injury or wrongdoing. Below you’ll find a list of the most common types of insurance claims with a brief description of each:
Personal Injury Claims
Personal injury claims arise when someone is hurt in an automobile or motorcycle accident, a work-related accident, tripping accident, accident in the home, product defect accident or assault claim. Personal injury claims can also be used to define medical and dental negligence accidents. If you believe that you have been wrongfully injured due to the negligence of another, you may have the right to file a personal injury lawsuit.
Health Insurance Claims
Health insurance claims have entered into the spotlight in the last few years and are now a major concern for many. One of the only claims you won’t need to file for yourself, health insurance claims are often dealt with by the insurer and the medical provider directly. If you have health insurance, the insurer must pay for the medical charges outlined in your insurance contract. If an issue arises, the medical provider will contact the insurance company directly on your behalf. However, it’s your responsibility as a patient to know your health plan and your benefits. Claim problems and disputes can be lengthy if a formal appeal needs to be filed by the patient.
Automobile Insurance Claims
Automobile insurance exists to protect your vehicle in case of an accident. Each automobile insurance policy will cover different levels of damage dependent on the insurance coverage purchased. When a car is damaged in an accident, the car will be inspected for damages to determine whether the vehicle is able to be repairable or a total loss. The insurance company will then cut a check to cover the damages covered by an insurance plan or start the total loss process.
Homeowners insurance can be a saving grace in the event of many types of loss or damage to a home ranging from theft to floods, fires to dog bites. A homeowner’s claim results in an insurer inspecting the damaged home in order to determine the amount of a settlement check. The insurer will depreciate damaged items based on their age and condition in order to reach a final amount for personal property.
Life Insurance Claims
After a death of a family member who had a life insurance policy, contact the insurer to begin the life insurance claim process. The insurer will conduct due diligence into the nature of the death and the insurance policy provisions. The death benefit is often placed in a trust account from which the life insurance beneficiary or beneficiaries can withdraw funds.
If you believe that you have grounds to file an insurance claim, let GO Justice Network connect you with a knowledgeable personal injury lawyer to handle your case.