Common Questions You May Have About Filing An Insurance Claim
Buying an insurance policy is one of the most important things you can do to protect your major purchases and investments. In particular, car and home insurance are among the most important policies that you can have. Unfortunately, these policies can be difficult to read, and this can make it exceedingly difficult for people to understand what their rights are under these contracts. Therefore, you may need to have these two questions answered to help you develop a thorough understanding of your insurance coverage.
How Much Control Do You Have When Choosing A Professional To Repair Your Claim?
When your home or car suffers damage, you will have to file an insurance claim with your policy underwriter. After filing a claim, an insurance adjuster will be dispatched to you to determine the extent of the damage and whether or not your policy covers it. Once this is finished, you will be required to obtain quotes from several different repair professionals to obtain the best quote possible.
Unfortunately, some people are under the impression that they will always have to choose the repair provider with the lowest price. However, this is far from what the reality is, and you are allowed to choose any repair provider you want. While the insurance company is not legally required to warranty repair work done from unapproved repair providers, they are legally required to pay for these repairs.
What Happens If Your Insurance Claim Is Not Honored By The Insurer?
In most cases, your insurance company will honor your claim without incident. Unfortunately, there may be times where the insurance company denies your claim for reasons that do not seem fair to you. Sadly, you may not think that you have any recourse if this happens to you, but this is not the case.
One of the most effective ways of challenging these rulings is by hiring an attorney. Insurance companies are usually far more willing to negotiate with these professionals in an attempt to avoid litigation. If this fails to resolve the dispute, it is possible for your attorney to file a lawsuit, which will allow your case to be argued before a judge and jury.
Filing an insurance claim can seem like a somewhat stressful experience because you may not know what to expect. By understanding that you can choose who repairs your property and that you have options if your claim is rejected, you can ensure that your rights are protected during this process. If you need legal advice about your claim, talk to a law firm like Freedman, Wagner, Tabakman & Weiss.
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