Overtime Attorney Blog ? Lawyers Maximize your Insurance Payout

Lawyers Maximize your Insurance Payout

When you purchase insurance from an insurance company, you?ve essentially entered into a binding legal agreement stating that in exchange for the monthly premiums you pay, the insurance company will help to cover losses or damages you incur in case of an accident, serious illness, property damage, or other incidents as stated in the insurance policy.? Sometimes an insurance company will either decide not to honor your claim, or to be slow in responding to it.? They may state a variety of reasons for doing so, and it can leave you, the policy holder, feeling helpless and frustrated.? So what can you do to stand up for your rights and make sure that you get paid when you need it most?

Hire an Attorney

Some will argue that you don?t need an attorney to help you protect your rights.? While it?s true that if you follow the claims process properly, your chances of getting paid may be better, sometimes an insurance company will still refuse to pay up or continue to unnecessarily delay response to your claim.? Insurance companies are in business to make money and keep their expenses as low as possible.? Their goal is to keep from paying you unless they absolutely have to.? Your claim may go to court where if you?re not properly represented, you?ll find that you have no chance of getting compensation.? By hiring a lawyer experienced in handling insurance claims, you give yourself the ability to fight back and make sure that you don?t get taken advantage of.

A Specialist

Because insurance is so complex ? you may have auto, life, health, disaster, disability, etc. ? and because issues with insurance companies can be so varied, including bad faith, coverage denial, or policy cancellation, it?s a good idea to do your homework first and to find a lawyer that specializes in the particular area that you need help in.? There are some lawyers experienced in handling multiple types of claims, and some who are more specialized in specific areas.? How do you know what type of lawyer to hire?

Understand your Claim

First, determine what sort of claim you have.? Is it an automobile insurance claim? Is it a health insurance claim? Are you being denied coverage on some type of disaster insurance, or is your disability insurance payout being delayed?? Is your claim a ?bad faith insurance? claim?? Bad faith is when the insurance company denies your claim for no good reason.? It?s called ?bad faith? because they?ve broken the ?good faith? agreement that was inherent in the contract that is your insurance policy.

Don?t Waiver

If you?re in doubt as to whether you have a valid claim or whether you really need a lawyer, the best bet is to call one anyway.? Most attorneys will take a look at your case and will be able to tell you if you have a claim that?s worth pursuing, and if so, whether you should use an attorney to pursue that claim.? It?s best to save any correspondence you have with your insurance company that might potentially be useful in any claim.? Sometimes, even if it seems trivial, an insurance claims lawyer can find useful information that could help you to win a case.? Although attorneys in general often have the reputation for being dishonest, a good general rule of thumb to remember is that an attorney will not take a case that they cannot win.? If your insurance claims lawyer says that you have a case, you probably do.

You pay your premiums and you deserve to be compensated for covered claims. If you don?t believe you are adequately compensated or being treated fairly by your insurance provider, the team at Insurance Swami encourages you to contact a lawyer for assistance.

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