When do you Need an Insurance Claims Attorney?

Life is full of uncertainties and you can never anticipate every eventuality. Insurance however helps you plan for some of those eventualities in the unlikely event of you incurring a loss from theft, fire, natural disasters like floods or earthquakes. Most times people tend to skip reading the detailed fine print of their insurance policy before buying it, which often leaves them in the dark about their rights as a policy holder. An insurance company and the insurance policy buyer’s interests are at conflict in general. The policy buyer wants maximum pay-out for his/her claim and the insurance company tries its best to make the least pay-out of the sum assured.

Getting your insurance company to pay you the sum assured is not an easy task, and you may have to fight for it. Ideally, your insurance company should pay you the sum assured in full when you raise a legitimate claim, but that seldom happens. Insurance companies do play hard and try to negotiate or find loopholes in your claim to deny you the assured sum. You may have to seek professional legal help in the unlikely event of a claims negotiation spiraling out of control, where the insurance company refuses to honor its part of the agreement.

Need of an insurance claims attorney

When a dispute over claims settlement does arise with your insurance company, and neither party is willing to yield, then you have no other choice but to hire an attorney. A qualified attorney can step in and help you get the respect you deserve and get your claim addressed. Once you appoint an attorney to deal with your case, it is advisable that the attorney handles most of the communication related to your case.

Need to hire an experienced attorney

Always try to hire an attorney who specializes in insurance claims settlement. They can do a better job than average attorneys who haven’t dealt with insurance claims cases. Insurance companies have a battery of very qualified and experienced lawyers who specialize in claims cases and can be a worthy adversary should your claim involve a fairly large sum of money. In such cases, it is advisable that you hire a good attorney with a proven track record to deal with your case. It is best that your attorney represents you in all your dealings with the insurance company related to your case.

Insurance companies settle most small dollar claims without much fuss. Gentle negotiation helps resolve most such small claims disputes. It is not necessary to hire an attorney in such cases where both parties settle the issue amicably.

Important consideration before filing for insurance claims

If you do decide to sue your insurance company, then ensure you hire an attorney and get him/her to represent you before the “statutes of limitations” pass. “Statutes of limitations” is the maximum period within which legal proceedings can be initiated by you against the insurance company. Once the “statutes of limitation” period passes, you cannot file a lawsuit against your insurance company.

Hopefully, you will never be in a position in which you need the legal services of an insurance claims attorney, but in the event that you do, please give Hoag Law Firm a call or complete your online Free Case Evaluation. A free consultation can help you understand your rights. With honest advice and an experienced attorney at your side, you can recover the largest possible settlement and get back to living your life.


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