When Should You Hire an Insurance Lawyer?

As insurance companies will jump through hoops to avoid payouts, they continue to pay their CEOs hundred million dollar salaries.

Meanwhile, you could be offered a settlement that inadequate to cover your medical bills. When dealing with an insurance company, it’s important to consider hiring an insurance lawyer.

While your first thought might be that a lawyer is too expensive or too much of a hassle for your claim, think again.

Insurance lawyers can handle multiple cases at one time, meaning that their prices will be accessible to the average claimant. Insurance lawyers know the kinds of returns that you’re meant to get and will adjust their fees accordingly.

When going up against an insurance company, it can be hard to know how to get what you deserve. Instead of sitting on the phone, hoping to get through to the right person, let an insurance lawyer handle your case if you run into one of these 7 issues.

1. The Insurance Company Is Denying Your Claim

If your insurance company denies your claim for no good reason, they’re not just being difficult. They could be in violation of the law.

Even when dealing with unique insurance claims, providers need to provide valid reasons for your denial.

US laws require that insurance companies always act from a “good faith” perspective when dealing with claims. They are meant to take an approach that assumes that your priority is to get help with costs related to your issue, not to become an overnight millionaire.

If you’re a good customer who regularly pays your bills and is in good standing, you should have your claim processed quickly and efficiently. When your insurance company is throwing hurdles in your way, it’s time to call an insurance lawyer.

When you were denied, did your insurance company give you a valid reason? If not, you should call a lawyer right away to handle your case.

2. No Payout For Fraudulent Reasons

If your insurance company is refusing to pay out for a reason that you know to be completely false, you have grounds for a lawsuit. Your insurance company is acting in violation of the law and you need to take action.

Unfortunately, when this happens to most people, they feel powerless. They don’t know what to do or who to turn to. The might not even realize that an insurance lawyer could help them.

If you have been injured or have a disability due to an accident or incident, your insurance company could wrongfully dispute your disability. They could wrongfully claim that there is a limit on paying for damages if the incident occurred years before. They could also incorrectly identify your issue so as to deny that it’s a valid issue under their payable claims.

When an insurance company purposely offers less than they know they should, they could be in violation of federal or state laws. An insurance attorney will be able to help you to define what it is you’re owed.

3. They Delay Your Payments

If your payments are delayed beyond the time period that was originally agreed upon when you signed the policy, you could have grounds for a suit. If you’re not provided with a proper legal explanation, you should call an attorney.

States set limits that require insurance companies to resolve situations within a given period of time. If their responses have been unreasonably slow, an attorney can figure out what’s going on.

When you submit all of your documentation and information to make a claim, it is the insurance company’s responsibility to tell you if they require more documents. They are also required to tell you the status of your claim in a timely manner. They could keep you waiting, hoping that you give up hope and they can go without paying your claim.

This is one of those instances when you need to get on the phone with an attorney ASAP.

4. Unexpected Policy Termination

If you went to make a claim and found out that your policy was unexpectedly cut off, you should get on the phone with an attorney immediately. If you don’t resolve this issue immediately, you could end up paying your bills out of pocket.

It’s actually illegal for an insurance company to terminate your policy without warning you or without having a good reason. If they claim your policy has ended right after you file a claim for a personal injury, this should raise a few red flags.

Not only is this unethical and inhumane, but it’s quite illegal for an insurance company to deceive you in this way.

Calling an insurance lawyer can help hammer out the details and get your issues sorted out.

5. They Send An Attorney

If your insurance company is sending you to speak to their attorney, you should probably get an attorney as soon as possible. Likely, they’re hoping to build a case and have you speak on the record. They will try to get you to either incriminate yourself or invalidate your claim.

The insurance company’s lawyer has the insurance company’s interests in mind, not yours. Anything you say to the insurance company’s attorney could get turned into part of a countersuit or a case built against you and your claim.

An insurance lawyer can help to coach you on any phone calls you need to make or any meetings you need to attend. They should be able to provide you with representation in person and even orchestrate conference calls with you. If they’re coming for you with their attorney, you’re not going to want to step into battle alone.

Hiring An Insurance Lawyer Will Protect Your Claim

Having an insurance lawyer might seem like a big expense up front, but talk to your lawyer about fees before you begin.

Some attorneys, given a strong enough case, will only bill you if there’s a settlement. This way you can ensure you’ll get proper representation without having to go into debt.

If you’re ready to look for the right attorney for your case, contact us today to get started with your search.