Advantages of Hiring Bad Faith Insurance Lawyer

 

Bad faith is when an insurer treats you unfairly in handling an insurance claim.  If you purchased an insurance policy and have paid premiums on time, it’s reasonable to expect the insurer to act fairly. After all, that’s why you obtained coverage in the first place.

·       What is bad faith claim?

To know whether you need a bad faith insurance lawyer, you first need to understand what bad faith means in the insurance context. Every insurance company has a duty to act in good faith and treat clients fairly. This doesn’t mean that they have to pay every claim they receive. However, the insurer can’t simply look out for its own interests, searching for ways to deny claims in order to boost its own profits.

Even though each state regulates the insurance industry differently, these general obligations exist no matter where you live, and failing in these duties may constitute bad faith. Additionally, bad faith on the part of your insurer can occur no matter what type of insurance you have. If an insurance company acts in bad faith, they may face a lawsuit with expensive consequences as well as fines and other penalties from the state insurance commissioner.

But what if you have a perfectly valid claim and your provider denies it? If an insurance company is not holding up their end of the deal you should speak with an attorney. A bad faith insurance lawyer can counsel you about your options and filing a bad faith insurance claim.

 

·       Level of playing the field

Insurance adjusters are skilled negotiators who know how to manipulate claimants into accepting much less than they deserve. A seasoned attorney is familiar with all the tactics that might be used over the course of the proceedings.

At the end of the day, hiring a lawyer will allow you to level the playing field. Instead of going up against an experienced negotiator, you can focus on your health while your attorney goes to bat for you. 

·       Handles all correspondence

Insurance law is complicated. It is relatively easy to make a minor mistake early in the proceedings. Then later learn that you inadvertently jeopardized the entire claim. If an attorney handles your case you will not have to worry about saying something you shouldn’t.

·       Fights for you till the very end

Insurance providers know how manipulate the rules. An insurance company can make filing a claim seems like far more of a hassle than it’s worth. If you try to take on the insurance company alone, you are an amateur against a professional organization. You might be overwhelmed. You might be tempted just to give up at some point.  However, a nursing home abuse lawyer who has seen it all before is a professional. Your lawyer won’t let the insurance company take advantage of you.  Instead, your attorney will fight relentlessly to the very end for every dollar you deserve.

So, these are some of the amazing benefits that you will enjoy once you hire a bad faith insurance lawyer. Good Luck!