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Three Kinds Of Insurance Claims That Exist

One of the three insurance claims that we will discuss is the property insurance claim. This type of insurance is the one that a person gets for insuring their property against a certain hazard that may happen against the property. Under property insurance claim they are different types of claims that exist under this type of insurance and these are water damage claim, hurricane damage claim, wind damage claim, bad faith damage claim, flooding damage claim, property theft damage claim, fire damage claim among others. The type of claim that one will insure their property against depends on the location of the property of the person who is insuring their property. The owner of the property needs to contact the insurer as soon as possible after suffering a loss on their property for the filing process of the insurance to begin. After this, the insurer sends a person to come and evaluate the possible extent of the damage so that an estimate of the amount they will be able to give you help you to indemnify yourself for the loss is given and a lawyer will be of good help in such a process.

Another type of insurance claim is an auto insurance claim. This is the type of insurance claim that an individual gets for their car against any involvement in a car accident. After being involved in a car accident, the owner of the car needs to contact the insurer about the occurrence as soon as possible for the filling of the insurance claim to begin. The car may be taken to a garage for repairs or a new car may be bought after the insurer has sent one of their personnel to come and investigate the extent of the damage of the car after being contacted by the owner of the car.

Health insurance claim is another type of insurance claim that we are going to discuss. This is where an individual seeks for a refund of the monies that he or she has used for seeking medical attention in a medical facility. In this type of insurance claim, there are two ways in which one can file for their claim and one of the ways is when the hospital that you had gone for medical attention orchestrates the process for you or you personally take up the process in your hand and go for the reimbursement from your insurer. There are times that the insurer may refuse to honour the claims that have been presented to them and in the event that this happens the individual ought to seek the services of an insurance attorney so that they are assisted to persuade the insurer to honour their claim.

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