Personal Injury Lawyer
There are many different types of insurance. As individuals, you can have homeowners insurance, auto insurance, health insurance, flood insurance, or jewelry insurance just to name a few. We all know how insurance works. You agree to pay money (known as a premium) to a company who promises to pay or reimburse you when an incident occurs. This could be a car accident, an unforeseen weather event, or an illness.
Sometimes, filing an insurance claim may not go as smoothly as you’d like and you need the help of an insurance lawyer. In this post, you’ll learn what an insurance lawyer is and why they are important.
What is an insurance lawyer?
There are typically three types of insurance law that requires the services of an insurance lawyer.
An insurance defense lawyer may be required if you are being sued for something related to your insurance contract. These defense lawyers tend to be local attorneys who work with the insurance company and are provided to individuals by their insurance companies (rather than you having to go out and find your own lawyer). While they are paid by the insurance companies, they work on behalf of the insured person. For example, if you are being sued by a driver who was hurt as a result of a car accident you were involved in, your auto insurance would hire an attorney to represent you.
Secondly, insurance lawyers help you figure when your insurance company needs to pay a claim. If you believe you are entitled to more compensation or if your claim is not being handled in the way you’d like to be handled, you can reach out to an insurance lawyer for help.
Finally, an insurance lawyer will make sure that your insurance company is following all your state’s laws and regulations when repaying your claim. While this might seem like a small thing, it can actually make a difference to ensure you are getting what you are legally required to receive.
Insurance lawyers can touch a variety of types of insurance. Because of the nature of their work, most insurance lawyers are familiar with many different aspects of insurance law including car accidents, malpractice, life insurance, or personal injury. Insurance lawyers generally only practice on private insurance, not government run insurance. Government run insurance includes things like Social Security disability, unemployment, and workers compensation.
Why you need an insurance lawyer
An insurance lawyer can answer any question you have about your claim and can give you legal advice regarding your case. They can represent you in court and deal with the insurance companies on your behalf.
Insurance claims can be long and complicated. They typically require a lot of research, paperwork, and phone calls to your insurance company. An insurance lawyer can take care of all the details for you so you can have peace of mind knowing that your claim will be handled right. A good insurance lawyer trusts will work to get you the best result possible for your claim.