Insurance is all about risk protection. And although we would like the process to proceed as seamlessly as possible, unfortunately, there can be stress involved from the beginning. Just finding a reputable insurance agent can take some amount of effort, unless you can network through friends and family who have worked with someone for years and had good results. In working with an insurance agent, you should learn about all the different types of insurance and policy coverages, along with understanding what you need and how much it will cost.
Once you have a policy in place, there is the added and ongoing responsibility to make substantial payments to the insurer, whether on a monthly, quarterly, or annual basis, and these are not always easy to keep up with – which is why you expect to get what you pay for in the end. Unfortunately, insurers may not always want to let go of their money, and it can be extremely frustrating to find out that they are not going to follow through on their end of a bargain after you have been so diligent.
Every insurance claim should begin with an investigation. This usually involves the adjuster calling and asking basic questions about what happened and setting an appointment to look at damage if there is any, or possibly to interview you (this could occur over the phone or in person). If you have a substantial case against another party and the insurer, it is in your best interest to have an attorney handling all communication and transferring of pertinent files.
But what about the insurance company or adjuster who seems to make an initial call and then drops the ball completely after that? You may find this to be unexpected and confusing behavior. An insurance company will usually only avoid an investigation altogether if they have made a mistake and forgotten about you due to disorganization within their company—or they are trying to avoid paying the claim altogether. No matter what the case is, if you are getting nowhere with an insurance claim that probably needs to be paid expediently, it is in your best interest to have skilled legal representation to fight for your rights.
If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm. If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!