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Benefits Of Hiring An Insurance Attorney

Why You Need An Insurance Attorney For Your Claim

Hiring an insurance claim lawyer is beneficial because they can understand complex insurance policy language. Insurance documents contain difficult to understand legal jargon and clauses that require professional help to unpack.

insurance company

An experienced insurance attorney can decipher these documents and explain your coverage in clear, straightforward terms.

For instance, if you have a claim denial or a disagreement, an insurance attorney can review the policy thoroughly. He or she will advise you on your legal rights and the best course of action. This expertise is crucial, especially when insurers leverage complexities in their policies to minimize payouts.

Additionally, insurance attorneys are adept at spotting bad faith insurance practices. These could include:

  • Unreasonable delays in handling claims
  • Failing to conduct a proper investigation
  • Refusing to pay a claim without a valid reason

In such cases, an attorney will ensure the insurance company honors its obligations under the law. This will potentially lead to a more favorable settlement than you might have obtained on your own.

By hiring an insurance attorney, you effectively level the playing field against large insurance companies. This legal expertise is vital when you need someone to take the lead and fight for your rightful compensation while you recover.

Call us to discover the numerous benefits of hiring an insurance attorney to help you navigate complex claims and secure the compensation you deserve.

Types of Insurance Claims

Insurance claims can vary widely depending on the policy and the circumstances under which they are filed. Understanding the different types of insurance claims can help you determine the kind of legal support you might need. Here are some common insurance categories:

Auto Insurance

These claims involve accidents related to vehicles. Common claims include accidents, theft, vandalism, and damage from natural disasters. An insurance attorney can help navigate disputes related to:

  • Fault
  • Coverage limits
  • Unfair claim denials
  • Unfair settlement offers

Homeowners Insurance

Homeowners file home insurance claims because of damage or loss to their home or property. They can arise from fire, flood, storm damage, or even burglary. Insurance attorneys play a vital role in addressing low evaluation of damages or disputes over what the policy covers.

Health Insurance

Often complex, these claims deal with issues like denied surgical procedures or costly medical treatments. An attorney can help challenge these denials and negotiate with insurers to cover necessary medical expenses.

Life Insurance

These involve disputes over life insurance payouts following the insured’s death. Disputes might focus on policy lapses, alleged misrepresentation, or payee disputes. Legal expertise is essential to resolve these issues and ensure the intended payees receive the rightful sum.

Disability Insurance

Disability claims involve situations where an individual is unable to work because of a disability. Insurers might deny such claims based on their assessment of the disability.

An experienced attorney who specializes in your insurance claim can ensure that your claim receives the proper treatment. Unfortunately, oftentimes it takes the backing of an attorney to ensure fair treatment from your insurance provider.

Was Your Car Insurance Claim Denied?

When you believe you have done everything right, dealing with a denied car insurance claim is frustrating. Insurance companies must act in good faith, meaning they must handle claims fairly and within reason. If the insurer wrongfully denied your claim, it could be a case of acting in bad faith.

upset man dealing with injury claim

Understanding Bad Faith in Insurance Denials

Bad faith can manifest in several ways, such as:

  • Refusing to pay a claim without a reasonable basis
  • Failing to communicate pertinent information to the claimant, or
  • Not conducting a thorough investigation

These actions can leave you facing significant financial burdens. Particularly in personal injury cases where medical bills and repair costs can quickly accumulate, finances are often strained.

The Role of a Personal Injury Lawyer

Hiring a personal injury lawyer from a reputable law firm can be a game changer in these scenarios. A lawyer experienced in personal injury and insurance claims offers the expertise needed to challenge a denied claim effectively. They will check your insurance policy, look into your claim, and decide if your insurer has acted unfairly. This is just one of the many benefits of hiring an insurance attorney.

Filing a Complaint Against an Insurance Company

Our law firm specializes in personal injury cases and, as such, cannot assist with other types of claims. However, if your insurance claim has been denied, you can file a consumer complaint with the California Department of Insurance for an investigation. This option is available for various types of insurance claims.

Why Was My Car Accident Claim Denied?

To attempt overturning a car accident claim denial, it’s important to first understand why. Insurers may deny claims for a variety of reasons, some of which may not be immediately apparent. Here are some common explanations:

Policy Exclusions

Your insurance claim may have been denied due to specific exclusions outlined in your policy. Common exclusions often involve incidents linked to illegal activities, such as driving under the influence.

Additionally, the scope of your coverage could be another factor; for instance, if you are rear-ended by an uninsured driver, you may not be covered unless you have uninsured/underinsured motorist (UM/UIM) coverage.

It’s a common misconception that liability insurance, or even ‘full coverage,’ will automatically cover all types of damage. It’s crucial to understand what your ‘full coverage’ actually entails, as definitions can vary significantly between insurance companies.

Lapsed Insurance Policy

Your insurer will likely deny your claim if your policy was inactive at the time of the accident. A policy could go inactive because of missed payments or failure to renew. Always ensure your policy is in good standing to avoid such situations.

Insufficient Evidence

Insurers require substantial evidence to process claims.

Reasons for claim denials include:

  • Inadequate documentation of the accident
  • Insufficient documentation of your injuries,
  • Errors in the provided information

Gather comprehensive evidence right from the scene, including photos, witness statements, and police reports.

Dispute Over Fault

In some cases, a reason for claim denial is if there is a dispute over who was at fault in the accident. Some states operate under “comparative fault” laws, such is the case in California. This law reduces damages based on the degree of fault shared by each party.

Delayed Filing

Failing to file a claim promptly can lead to a denial. Insurance policies often require clients to report claims within a specific timeframe. Delays can cause suspicion in insurers and make it harder to collect evidence accurately.

If you’re facing a car accident claim denial, it might be advisable to consult with a legal expert. A lawyer can assist with a denied claim by reviewing it, advising on legality, and helping with an appeal. They can use stronger evidence or negotiation tactics to strengthen the case. Don’t hesitate to seek professional help to navigate this complex process and advocate for your rightful compensation.

Types of Insurance Disputes El Dabe Ritter Trial Lawyers Handle

El Dabe Ritter Trial Lawyers can help you with your auto insurance dispute arising from a serious motor vehicle accident claim. Our experienced insurance lawyers are passionate about these cases. They’re committed to ensuring that our clients receive the justice and compensation they deserve.

Interior of a courtroom

Denial of Accident Claims

If your insurance company denies your motor vehicle accident claim, our attorneys are prepared to challenge this decision. We scrutinize the insurer’s reasoning against the law, aiming to overturn unjust denials and secure your rightful coverage.

Disputes Over Coverage Amounts

Typically, insurance companies dispute the amount owed. Our lawyers are skilled at negotiating with insurance companies. They work to ensure you receive full compensation for damages and medical expenses.

Bad Faith Insurance Practices

Dealing with insurers acting in bad faith, requires legal intervention. Examples of bad faith include delaying claim processing or refusing to pay a valid claim. Our team initiates legal actions to address your immediate compensation needs.

When you hire an attorney from El Dabe Ritter Trial Lawyers, you are getting expert legal representation. We are knowledgeable about insurance disputes in personal injury cases. Our commitment is to your recovery, both physically and financially. Our no-win, no-pay attorney fees alleviate the financial burden from the litigation process.

How Our Car Insurance Attorney Can Help You With Your Insurance Claim 

El Dabe Ritter Trial Lawyers have over 50 years of combined experience in personal injury cases. We can navigate the complex legal landscape and negotiate with the insurance company on your behalf. We have the tools to gather necessary evidence to build a strong case. Furthermore, we can represent you in court, if necessary, to fight for the compensation you deserve.

El Dabe Ritter Trial Lawyers - Personal Injury Attorneys in California

If you believe your car insurer wrongfully denied your claim in bad faith, do not hesitate to contact our law offices today.

Here are some benefits of hiring an insurance attorney:

  • Protect your rights
  • Ensure that your insurer fulfills their obligations
  • Maximize your compensation
  • Treat your claim with the seriousness it deserves
  • Recover from your injuries while we do the rest

During your free consultation, our team of experienced personal injury lawyers at El Dabe Ritter Trial Lawyers can go over your insurance coverage and determine how  we can help you.