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Insurance Claims Lawyer

insurance claims lawyer

Insurance is a tricky business, you need an expert to help you navigate and advise you on your best course of action. When it comes to paying you out for your claim, most companies find a way to pay you as little as possible.

Is there anything you can do about that? What are the steps you should take if your insurance claim is denied?

Find an insurance claims lawyer near you and discover about attorney insurance and insurance attorney obligations.

Common Reasons for a Denied Insurance Claim

There are numerous reasons why your insurance claim may be denied, some of the most common reasons are:

  • The policy hasn’t had enough time to come into effect yet.
  • The specific loss was not covered in that particular policy.
  • The loss was specifically excluded from the policy, and you didn’t read the fine print.
  • The claim was submitted incorrectly or missing important information.
  • The precertification treatment wasn’t obtained.
  • The time to claim had run out.
  • Unnecessary medical treatments and procedures.
  • Any illegal activities such as fraud or arson were committed.
  • The other insurance company should be responsible for the claim.

How to Handle Insurance Claims

When you need a lawyer for insurance claims, certain steps need to be followed to validate the claim. Who should you contact? What are your obligations? And how long will the process take? These are all very important questions. Let’s look at the steps you need to follow.

Before you decide to make a claim, you will need to prepare. Gather all the relevant information. This should include receipts, original invoices, photos of the damages, and proof of ownership documents.

1. Connect With Your Insurance Broker and Report the Claim

Contact your insurance lawyer and report the claim. You can do this via telephone or email. Provide information regarding the claim and attach all relevant evidence. This includes photos, etc. Explain what the claim is about in your own words and listen to the broker’s expert advice.

2. The Claim Investigation Begins

Once the claim has been reported, an investigation will take place. The adjuster will then determine the amount of loss or damages that your policy covers you for. They will also identify any other liable parties involved. If there were witnesses to the event, they would need to be contacted and interviewed.

3. Your Policy Will Be Reviewed

Once all the boxes have been ticked and the investigation is completed, the adjuster will ensure that your policy is valid. They will decide exactly what the policy covers, and what it does not. They will inform you of any applicable deductibles and how this claim could affect future claims.

4. Damage Evaluation

The experts in each field will be called in to accurately evaluate the extent of the damage. Appraisers will ensure that you are compensated for the value of your coverage. The adjuster will then provide you with a list of preferred vendors. You are under no obligation to make use of them. But they may be able to offer you their expert advice.

5. The Payment is Scheduled

After the investigation is completed and the damages have been agreed upon, your adjuster will contact you to settle your claim. The amount of time it will take before you receive your funds will depend on how complicated the claim is and the severity of the situation.

Each claim is unique, so it may take some time to complete this process. Don’t let a denied insurance claim mean that you lose out.

Why Work with an Insurance Claims Lawyer

lawyer for insurance claims

Most insurance companies don’t want to pay out money for claims, they will try to find a reason not to pay you. However, there are laws in place that insurance companies are obligated to follow. These laws are to protect you as the client. If you hire an insurance claim lawyer, they will be able to help you navigate the process and ensure you are paid in a timely fashion.

If your insurance claim is denied, and it should not have been, this is what’s known as a bad faith insurance claim. Unfortunately, there is no set time limit for how long it takes to settle a bad faith insurance claim.

Many companies may try to resolve the claim as quickly as possible, while others may try to drag their feet and draw out the claims process. When an insurance claim lawyer is involved the process is usually handled a lot quicker.

What to Avoid During Insurance Settlement Negotiations

During the settlement negotiation process, you should follow these tips for the best results:

  • Don’t delay the claims process: The claim should be submitted as soon as possible after the incident has occurred. This will ensure you will get the best chance to receive the compensation you are owed and that your claim will be successful. Remember to include the cost of how the incident will impact your life in the present and future. Medical treatment, loss of wages, or permanent lifestyle changes will need to be taken into account. You may also ask for damages for pain and suffering.
  • Avoid admitting fault: Don’t speak with the insurance company directly, or admit that the incident could have been your fault. Let your lawyer handle all communication with the insurance company. Adjusters are not your friend, they are there on behalf of the insurance company. They are looking to deny or reduce your claim.
  • Don’t accept the first offer you receive: Don’t let the insurance company lowball you on the amount of damages you should receive. Be sure to document everything to have evidence to support your claim.

Why Choose Aaron Engle Law?

At Aaron Engle Law talk to an accomplished attorney about your case at no cost and without any obligations. We will be able to advise you if you have a legal case for your case and the proper procedures to follow. Our team will help you discover legal options that you may not realize exist.

If your claim has been denied or challenged, we will be able to assist you and fight the insurance company on your behalf. Our attorneys are renowned for building a strong case in order to get you the results that you deserve.

The best reason to hire our experts is that there are no fees unless we win! If what happened wasn’t your fault, then you shouldn’t be required to pay. You have nothing to lose and everything to gain.

Insurance Claims We Handle

Our company is an expert in the field. Our practice areas include:

  • Long-Term Disability:

    This type of claim is very tricky and will require an attorney who is experienced in the medical field and knows how to prove a case. Our disability insurance claims lawyer is there for you every step of the way.

  • Short-Term Disability:

    This claim is for when you are put out of work temporarily. The employer will need to provide benefits during this time.

  • Erisa Disability:

    Governs most employee benefits, including short-term disability insurance, long-term disability insurance, life insurance, pensions, and health insurance,

  • Personal Injury:

    Any accident that results in you being physically harmed and unable to work.

  • Brain Injury:

    If you experience a traumatic brain injury, our firm will help you receive the compensation you deserve.

How Much Should I Ask For?

The question that everyone wants to be answered, is how much money should I ask for? Our mission at AEL is to help you put your life back on track. We aim to get you as much compensation as we can. We take into account exactly how the incident will impact your life in the present and how it could affect you in the future. You will need treatment, support, and guidance during this traumatic time in your life.

Our attorneys are trained and have years of experience in providing compassion and support. Our principles are guided by trust, courage, honesty, and integrity. We handle the insurance companies with the integrity and firmness the situation demands.

Manage Your Claim with an Experienced Insurance Claim Lawyers Today

If you’re looking for a law firm that understands insurance claims, then look no further than AEL. What sets us apart is our mission to help you deal with your claim in the most stress-free way possible.

Our attorneys will handle the claim on your behalf, and negotiate for you so that you get as much compensation as possible.

Our key principles ensure that you are treated like family and not just another number. We are so confident that we will be able to help you. Talking to one of our experts is completely free of charge, there is no cost and no obligation until we win your case.

There is nothing to lose, so call us today to find out how we can assist you. Our insurance claim lawyer is waiting for your call.