We’d all like to think that when we buy insurance we are simply investing money in a system that will protect us in all the worst case scenarios that might crop up. We’d like to believe that when something happens to us (or our homes, or our cars, or on our jobs, or whatever) our insurance companies will step up and pay out all the money we feel we deserve. Unfortunately, this is not always the case, and insurance litigation becomes necessary.
Unfortunately, in today’s world, many of the large insurance companies will, in bad faith, deny a claim. This can do considerable harm to the applicant who may be relying on his or her insurance to make it through a hard time and to pay off a suddenly large medical bill (or reconstruction contract or mechanical bill).
Insurance litigation may not be your first choice, but at the same time it may just be your only choice. Many of these companies have learned that many of their clients will not push the issue if it is declined. Or you may have a situation that is so unique that the exact wording of the insurance policy doesn’t technically cover it. These companies are trying to make a profit, and if they can avoid a pay out, they will.
It is important to note at this point that much of this behavior has come from a lot of frivolous insurance claims in the past. Many people have tried to scam the system to make some money, which in turn has led some extremely strict, but necessary policies. Unfortunately, these policies can, in some cases, lead to bad faith denials in legitimate cases.
You should look into insurance litigation whenever there is a dispute over your coverage and insurance recovery claims. It is a complex industry, and in order to receive the payments you need and deserve, you are going to need to employ someone who knows the ins and outs of the business. This way you will know whether or not you have a case, and whether or not the insurance provider is trying to use a technicality to avoid payment.
A good insurance litigation attorney will be able to take you through the whole process. He or she should be able to handle all the claims management processes, the investigations, filing the law suits, and dealing with the settlements, trials and appeals. All these facets of the insurance litigation process can be very complex, so you’ll want to find an attorney that has a lot of experience.
Insurance litigation attorneys can take care of more than just cases involving personal injury. They should also be employed when you have any claims for property damage, workers compensation, business interruption, or anything else that involves an insurance policy.
The litigation process can take a long time, so you will need an attorney that is not only experienced, but also willing to work with you from the start to the finish. It’s going to take more than simply filing a claim and a good attorney will help you every step of the way.