There is so much uncertainty in life that most of us choose to safeguard ourselves and our valued possessions with an insurance policy. Insurance helps when we have a medical problem when our cars are destroyed in a car accident, or our homes are damaged by a natural disaster. Even though insurance can be a solution to some of our problems, there are hurdles we encounter when trying to recover compensation for a claim.
Typical types of insurance
Property insurance in Maine:
You can insure almost anything with a high-dollar value including:
Personal insurance in Maine:
Above are just a few types of insurance policies Maine residents may carry. No matter what your insurance policy covers, you may have to file a claim one day, and it’s not going to be an easy task in every case. Unfortunately, insurers put up roadblocks throughout the claims process and expect you to settle for less than you deserve.
If you need to file an insurance claim in Maine, the first step is to contact your insurance provider and begin the claims process. Each type of insurance entails a different claims process, so we recommend you retain an insurance claims lawyer outline the steps you need to take to get the settlement you deserve.
To prove your insurance claim and ensure you recover a fair settlement, you need to provide extensive documentation of your expenses, losses and the costs of repair or replacement if you are filing a property claim. If you are filing a personal injury claim, you need doctor testimonials, medical records, and bills.
If need to file a claim, you need to report your claim to your insurance company as soon as possible. You can call and ask for the correct claims form. While you are speaking with the representative, you need to ask what the time limit is for filing your claim. You also need to get the details about what damage or bills are covered. Take notes of your conversation including any promises you are made along with the date and time you spoke to a representative and their name.
For a property loss claims, you need an inventory of your possessions, any photos of damage, police reports and other evidence of your losses.
Contact an insurance claims specialist
When you need help with an insurance claim, USAttorneys can connect you with a local Maine attorney who will take control of your case and deal with an insurer, allowing you to concentrate on other things. When you have legal representation, you are more likely to get the settlement amount you need to cover your expenses. Call and set up a consultation with one of your claims experts today.
For more information about insurance claims or to file a complaint contact:
The Maine Bureau of Insurance
34 State House Station
Augusta ME 04333
Or, visit: http://www.maine.gov/pfr/insurance/consumer/index.htm.