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Three Kinds Of Insurance Claims That Exist

Property insurance claim is one type of insurance claim that exists. Property insurance claim is the type of insurance claim that a person gest for their property against a particular hazard that may cause damage to the property. In the property insurance claims there are different type of claims that exist under it and these include, fire damage claim, property theft damage claim, flooding damage claim, water damage claim, Bad Faith damage claim, hurricane damage claim among others. These claims are usually dependent on the area and location of the property of the person wanting to insure their property against a particular hazard as mentioned before. For the filing of the insurance process to begin the owner of the property needs to contact the insurer as soon as possible after the occurrence of the loss. After contacting the insurer they will send an individual to come and check the possible extent of the damage to the property and give an estimate of the amount they will be able to indemnify you with and it will be of good help if you as a person has a lawyer that will be able to help you throughout this process and help you decide on the best deal.

An auto insurance claim is another type of insurance claim that exists. This type of insurance claim is the one that an individual gets for insuring their car against any accident that may occur to it. In the event that the individual’s car is involved in an accident, the individual ought to notify the insurance for that the process of claiming the insurance begins. The insurer will then send one of their people to investigate the damage of the car and provide options over whether to buy a whole new car or take the car for repairs in a garage.

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. This type of insurance claim can be filed in two ways, the first way is when the health facility that he or she sought medical attention from notifies the insurer and the insurer pays up the medical bills and the other way is when the individual follows up on the claim from the insurer about the medical bills that have accumulated. 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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