If you’ve encountered a situation that calls for filing an insurance claim, you may be wondering whether or not you should consult an insurance lawyer. Some smaller cases can be settled without the help of an insurance attorney, but oftentimes hiring a professional is the safest route to ensure you get the money to need.

4 Times to Hire an Insurance Lawyer

There are many reasons to hire an insurance lawyer, but there are a few situations where it is vital to do so. Below are 4 situations that call for an attorney’s help you avoid any risky situations or legal battles.

1. When You and the Insurance Adjuster Don’t Agree on a Claim Early On

If you and your insurance adjuster can’t seem to come to an early agreement on the damages and the payout, hiring an insurance lawyer is often the safest route. A legal professional can ease the stress of the situation and help you and your insurance company come to an agreement you’ll be satisfied with.

2. When You Have a Complex Claim

In most cases, an insurance company wants to pay as little as possible when settling a claim, while the person filing the claim wants the most. If your insurance claim is expensive or complex, it’s probable that you will run into issues with your insurance company.

Hiring an insurance lawyer can help you with your complex claim and ensure your payout is correct and fair.

3. When You Have a Large Claim, Such as House Damage After a Fire, Extensive Water Problem, or Natural Disaster

In the best scenarios, large claims result in large payouts so you can avoid the most serious financial challenges following a disaster. An insurance lawyer can help you win a large claim so you and your family can get back on your feet ASAP. Legal help is especially important if you and your family are going through an extremely difficult time.

4. When Fault Is Hard to Establish

Avoiding conflict with your insurance company can be the difference between a short and long insurance claim settlement. To avoid a lot of legal back-and-forths, you can hire an insurance lawyer. A lawyer will take a lot of the pressure off of you and likely get results faster.

FAQs About Insurance Law

Insurance Lawyer

Should I Get a Lawyer Before Talking to Insurance?

It’s extremely hard to know how to value an insurance claim on your own. A professional attorney can help you assess damages, investigate the causes, and determine your medical diagnosis before you speak to your insurance company so your claim is as clear as possible.

Why Would an Insurer Use a Lawyer?

An insurer may use a lawyer for a lot of the same reasons that someone filing an insurance claim might use one. Both parties are always trying to advocate for what they believe is a reasonable insurance claim payout, which is often a challenging process.

When Should You Consult an Insurance Lawyer?

Consulting an insurance lawyer is recommended for most situations where you are filing an insurance claim. Although there are some small run-of-the-mill claims that can be settled without the help of a professional, it is far more likely that you will get the money you desire with the help of an attorney.

What Is a Bad Faith Claim Against an Insurance Company?

If an insurance company is intentionally refusing to pay a legitimate filed claim, you have the right to file a bad faith claim against them. The money that you may or may not receive is aimed at helping you receive the money you are owed as well as punishing the insurance company for not doing their job. 

How to Find a Good Insurance Lawyer

Finding a good insurance lawyer to help you with your claim can make an enormous difference in the final outcome. Anderson Hunter Law Firm has the knowledge and experience to help you with the legal challenges you are facing. Give us a call today to see if we can help you settle your claim with ease. 

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