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What is a first party insurance claim?
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A first party insurance claim is a claim made by the policyholder directly to their own insurance company. It involves seeking compensation for damages or losses covered under the terms of the insurance policy.
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What types of insurance policies typically involve first party insurance claims?
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First party insurance claims can arise from various types of insurance policies, including homeowners insurance, commercial property insurance, auto insurance, health insurance, other property insurance, and business insurance.
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What are some common examples of first party insurance claims?
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Common examples of first party insurance claims include claims for property damage due to hurricanes, wind damage, ice storms, fire, theft, or natural disasters, medical expense reimbursement, but also your own auto accident damages whereby your own uninsured or underinsured motorist policy was in effect, business interruption losses, and disability benefits.
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How do I start a first party insurance claim?
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To start a first party insurance claim, contact Adam Clark Law today for quick and straightforward advice. You may also contact your insurance company directly, as soon as possible after the incident or loss to report the claim. However, be wary that if you call the insurance company directly, you may be on a recorded line for “quality assurance purposes,” or the like, which may be used against you in Court. If you are uncomfortable with the questions that they are asking you (by design), then don’t hesitate to let them know you will be speaking with an attorney and reserve an opportunity to speak with them with your legal counsel at a later date.
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Do I need legal representation for my first party insurance claim?
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While it's not mandatory, having legal representation can be beneficial for complex or disputed first party insurance claims, and especially when there are significant damages. Call, text or email Adam Clark Law to see if they can help protect your rights, navigate the legal complexities, negotiate with the insurance company, prove and ensure you receive fair compensation.
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What should I do if my insurance company denies my first party insurance claim?
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If your insurance company denies your first party insurance claim, you can dispute their decision. You aren’t required to accept a low-ball offer from an insurance company. You can seek legal assistance to review the denial, gather additional evidence, and file an appeal or lawsuit if necessary.
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How long do I have to file a first party insurance claim?
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The time limit to file a first party insurance claim, known as the statute of limitations, varies depending on the type of insurance and the jurisdiction. It's important to review your insurance policy and consult with an attorney to ensure you meet the applicable deadlines.
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What if my insurance company delays or undervalues my first party insurance claim?
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If your insurance company unreasonably delays or undervalues your first party insurance claim, it may be acting in bad faith. In such cases, you may have grounds to pursue legal action against the insurer. Consulting with an attorney, such as Adam Clark Law, can help you understand your options and protect your rights. Depending on a jurisdiction, necessary legal actions are required before a lawsuit can be pursued, and timing may be of the essence.
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How much does it cost to hire a first party insurance claims attorney?
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Adam Clark Law works on a contingency-basis, which means they only get paid if they successfully recover compensation for you. In such successful cases, the attorney's fees are a percentage of the settlement or court award. This arrangement allows individuals or businesses who may not have the means to afford upfront legal fees to still investigate and pursue their first party insurance claims.
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Why should I choose Adam Clark Law for my first party insurance claim?
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Adam Clark Law handles first party insurance claims where there is significant property damages. We have a track record of successfully representing policyholders and fighting for fair compensation. We work hard to provide personalized attention to your case and guide you through every step of the process.
