How an Insurance Lawyer Will Help
When you make an insurance claim with your insurer, they are obligated to act in good faith in both considering and paying that claim. They are also obligated to fulfill all of the terms of the policy. This means providing you with the full amount of coverage that you purchased.
Unfortunately, insurance companies for all types of insurance products often do not do as they promised or they fail to live up to their end of the bargain you struck when you purchased your insurance policy. For instance, a health insurance company may deny coverage for care that your doctor believes is necessary, or a property insurance company may deny a claim or argue that your property is not worth as much as you claim it to be worth.
When this occurs, you need to fight for your rights to get the insurance payout you deserve. In many cases, doing this on your own can be a complex process. You may not understand exactly what the law allows for you to obtain in a particular insurance claim situation and you may not have the information to back up your belief that you should have broader coverage.
This is where an insurance lawyer comes in. Your attorney specializing in insurance law knows the laws and understands exactly what insurance companies are obligated to do. Your lawyer can interpret the legalese and fine print in your insurance contract and can understand the nuances of the insurance claims process so you can navigate through the process and prove your right to coverage.
In addition to bringing his expert legal knowledge to the table, hiring a lawyer helps you in another important way as well. When you hire an insurance lawyer, you immediately let the insurance company know that they need to take you seriously. They know that you care about your legal rights, that you are an informed customer and that you aren't simply going to let them take advantage of you. This alone can be major incentive for an insurance company to treat you fairly.
When an insurer denies a claim or refuses to pay in bad faith (for no justifiable reason), then the insurer can be sued in a tort claim. This can bring with it significant damages, including- in some cases- punitive damages being assessed against the insurer. Insurers know that this is a potential risk and they will not want to open themselves up to a bad faith lawsuit.
Hiring an insurance lawyer is thus often the best way to secure your legal rights and get the compensation you deserve. Contact attorney today for help.
