Types of Insurance Claims

Last updated on: February 23, 2015

Types of Insurance Claims

People purchase insurance to protect against the unexpected – whether the unexpected is an illness, car accident, property damage, fire, or natural disasters such as floods and ice storms. While some insurance policies are optional, such as business interruption insurance, other policies are required by state law such as minimum auto insurance coverage. Additionally, some policies are required when entering into a loan contract, such as a mortgage or an auto loan; this is done to protect the asset underlying the loan. Types of Insurance Claims There are many types of insurance policies that cover many contingencies for loss or damage; these policies include claims under auto, homeowner’s, business, and health insurance policies. Auto Insurance Claims

  • Medical care and rehabilitation
  • Wage loss
  • Uninsured/under-insured coverage
  • Repair/replacement of damaged vehicles
  • Rental car reimbursement
  • Robbery/theft
  • Vandalism
  • Fire
  • Wind damage
  • Tornadoes/hurricanes/earthquakes
  • Ice/hail storms
  • Other natural disasters
  • Mold
  • Damage caused by leaks or appliance failure

Homeowners’ Insurance Claims

Business Insurance Claims

  • Property damage
  • Business interruption
  • Data breaches
  • Commercial auto
  • Worker’s compensation
  • Professional liability
  • Bonding of directors/officers
  • Data Breach Insurance
  • Doctor and Hospital visits
  • Emergency room care
  • Prescriptions
  • Surgery/outpatient surgery
  • Physical therapy

Health Insurance Claims

Contractual Duty of the Insurer Insurance companies are covered by regulations in every state which spell out their duty to handle a claim including promptness, reasonableness, and good faith. Failure or refusal to honor a policy or pay a valid claim will often allow the policyholder to bring a legal action for their loss or damages including attorney’s fees.  The state of Texas is no different. The Texas Insurance Code requires insurance companies to act in good faith and investigate; they are required to:

  • Investigate claims promptly
  • Communicate the status of the claim to their policyholder
  • Pay any undisputed portion of claims promptly
  • Provide a reasonable explanation when a claim is denied

Call Zinda Law Group Today Insurance companies seem to forget their contractual duty under the law when it comes to claims; they often unfairly deny claims or delay payment on legitimate claims. If an insurance company knowingly or intentionally violates their contractual duty by denying a legitimate claim or delaying payment, they may be acting in bad faith and the policyholder can file a lawsuit for breach of a contractual claim and/or violating the Texas Insurance Code. If your insurance company hasn’t dealt with you fairly, if they have denied or delayed payment, you need the experienced attorneys at Zinda Law Group to get your claim paid. We have successfully represented many clients in disputes with their insurance company. Just check out our client testimonials, then call us for a free, no fee consultation and let us get you the justice that you deserve.

Where Zinda Law Group Practices:

We were founded in Texas and have a team of Austin personal injury lawyers as well as attorneys in Dallas and Fort Worth.

 As we’ve grown we expanded out west to El Paso, Texas subsequently into Arizona adding Tucson Personal Injury Lawyers to the firm, as well as adding offices in Colorado including Denver Personal Injury Lawyers and the surrounding cities such as Colorado Springs.

Types of Cases We Handle:

We also have a team of attorneys that have experience serious injury cases such as car accidents, wrongful death and truck accidents.   We also have experience handling more complex cases such as gas explosions and drug injury cases, such as the Taxotere® Lawsuits.