Hiring Attorneys For Insurance Claims
a) Life Insurance
b) Car Insurance
c) Health Insurance and
d) House Insurance
If you observe the world around you, then you will be able to understand that almost everyone faces a situation or two in his life, when the insurance cover comes into act and it plays a helpful hand in getting the reimbursement for the act of misfortune, in form of a claim. Future, by rule, is uncertain and everyone has his share of misfortunes; that is something which is considered as a part of life and there is literally no one, who has been able to escape them. Just look at the one world around you, the story will be something similar to this – your neighbour meeting a fatal accident which cost his life, your wife knocking out the tail light which trying the reserve gear, you discover that the reason behind the repetitive knee pain of your aged mother is her overweight and the situation has gone to such an extent, that it will require a surgery to get it fixed. Now all these events do not happen every day, they will occur once or twice in your entire life; but just imagine the bearer of the event with and without an insurance cover and you can easily understand the importance of getting yourself insured!
Now that you have understood the importance of insurance and have also got the critical ones done for yourself, the only serious problem, which might arise with them is getting the claim against them. It is not that you have to fight hard every time for getting a claim, but at odd situations, you might have to try a bit harder to get the reimbursement. Such a situation mostly arises when the amount of claim is huge and there is a scope for dispute due to the terms and conditions of the insurance policy and the insurance company feels that it can avoid the claim in a legal way. In such a case, you may require to hire an attorney to help you in getting the insurance claim.
This might not sound good to you, as no one would like to get into such things, but at times, situations becomes inevitable and one is left with no other option but to take the legal way. So, if you are caught up in such a situation, then following FAQs will be able to help you further in this matter:
When should I hire an attorney?
Well, you have to hire one when your insurance company does not accepts your claim and the amount of claim is substantial. It does not mean that you can not hire an attorney for smaller amounts; it’s just that the attorney is going to charge a substantial fee for his service as well and it may not be worth your time and effort to consider hiring an attorney for a smaller amount.
How to find a good attorney?
If you know someone is person, who has a better knowledge about this subject, then the best way will be to consult him and he will be able to suggest you on how to process with it further. If you have no idea about it, then a search on internet can also be helpful. Do mention your region while making a search to get refined results.
How much does an attorney charge and who pays for his fee?
The fee of an attorney depends on his reputation and experience. The charges are mostly on an hourly basis and they do not come cheap! You have to bear their fee but you can also ask the insurance company for reimbursing the same, if you end up winning the case.
Can I handle my case on my own?
If you have enough knowledge of how to go for it, then yes you can. But be informed that if you are not accustomed with the procedure of how the law operates, you risk yourself of ending up at the losing. Another point to consider is that these disputes takes time and if you do not follow the procedure like the documentation and the legal formalities that are needed to be adhered while the dispute is going on, then this may result in further delay in the verdict and at the worst situation, you can even lose the case due to your inability. So, do this only when you are confident of what you are doing.
Is there a way out of this?
If you would like to solve this dispute outside the court then that can be done with help of a mediator or an arbitrator. In such a case, both you and the company should agree to accept the verdict given by the mediator or an arbiter, who will be eventually chosen by mutual consent.
How long can my case go?
In most of the times, insurance cases do not take long for the verdict. The key is that you hire a good attorney so that he can help you in winning the case at the earliest.
The key thing here is that you should know what you are doing. If you use common sense, then you can easily determine the standing of the case. Be honest and try to see both sides of the coin. You only stand a chance of winning the case when your claim is reasonable and is covered under the terms and conditions of the insurance company. If you are confident that the company is trying to avoid the claim, then a mere legal notice to the company will be good enough to make them clear that you are no bones with the law and they should be willing to settle the issue outside the court with mutual understanding. A right attorney would be able to assist you in this matter. Moreover, once you win the case, you can always claim for the legal expenses born by you due to this dispute as they were forced expenditure and you can get them back from the insurance company by issusing a debit note to them.