After a car accident or other life-disrupting event, medical bills and other expenses can really add up. Although you may be fully insured and find comfort in knowing you’re “in good hands,” that’s unfortunately not always the case. It’s a sad fact that many of the popular big-name insurance companies are more interested in increasing shareholder profits than they are in paying out on legitimate insurance claims for loyal policyholders. For many of us, the time after an accident or other loss can be stressful and unsettling enough, but to find your insurance company less than helpful when you need them the most, literally adds insult to injury.
Whether you’ve been denied coverage for a so-called “exclusion” or your insurance company isn’t willing to honor coverage that you’ve faithfully paid for, it’s a good idea to speak with a insurance claim attorney about your case. Insurance law is complicated, and intricate policies can be confusing, even for agents who sell them. The only way to make sure your insurance company is acting in good faith is to have an insurance claim attorney review your actual policy.
Auto Policies and Car Accident Claims
Car accidents can leave victims in the hospital and out of work for extended periods of time, and although we would like to hope that our insurance adjusters are quick to rush in and give us the compensation we deserve for the coverage we’ve paid for, it can take weeks, months or longer for some policies to payout. In the mean time, hospital bills are piling up, family members are missing work, and there’s no telling how long it will be until you’re back on your feet. If insurance companies act in bad faith by delaying or denying claims, it may be a good idea to have a lawyer review your policy and make sure you’re getting treated fairly.
Many well-known homeowners insurance companies are notorious for denying coverage on righteous claims. Whether you’re recovering from storm damage or the faulty work of a contractor, you’re owed the coverage promised to you in your homeowners insurance policy. Wrongful denial of benefits from a roof claim or some other type of storm or fire damage can seriously delay your ability to safely live in your home and get on with your life. A lawyer can review your entire policy and make sure the insurance company is acting in good faith and lives up to all coverage promises made in the policy.
Life Insurance Claims
Losing a loved one, no matter what the circumstances, is a traumatic event for families. The one thing you should be able to count on is your life insurance company coming through on the policy that has been purchased. When insurance companies try to claim an exclusion in coverage after a death of a loved one, you need to get in touch with a insurance claim attorney immediately. Expenses associated with the death of a family member can be astronomical, and the last thing you should be worried about during this time of intense grieving is making ends meet.
Is your Insurance Company Going to take Care of you?
Many Americans think that because they faithfully pay their insurance premiums, the insurance companies are going to be helpful and be there for them when they need them. Unfortunately, that isn’t always the case. In fact, many popular big-name insurance companies have well documented histories of denying and delaying claims in efforts to get out of paying out on policies. Since many of these companies are more interested in their bottom line than paying out on legitimate claims, a variety of unscrupulous tactics are used to wear down policyholders into taking less money than they’re rightfully owed under their policies.
The American Association for Justice (AAJ) completed a comprehensive and exhaustive investigation that included thousands of court documents, SEC and FBI records, complaint reports and testimony and depositions from former insurance adjusters from around the nation to find and rate the worst insurance companies in the U.S. This study found that some of the worst were Allstate, and AIG, among others.
When to Call a Insurance Claim Attorney
If you suspect that your insurance company isn’t treating you fairly or is acting in bad faith, it’s a good idea to have an attorney review your case. The only way to know for sure if your damage is covered is to have a lawyer review your coverages and provide you with a free consultation. Whether you’re dealing with hospital bills after a car accident or trying to get your house repaired after a natural disaster, a lawyer can be your advocate and make sure that you get the compensation you deserve for the coverage you’ve already paid for. Holding insurance companies accountable for the coverage they’ve promised is essential for moving forward and getting on with your life.
At the Scott Law Firm, initial consultations are always free and you don’t pay anything unless we recover compensation for you. Contact the Scott Law Firm at (936) 270-8100 for a free consultation and case evaluation.