Insurance companies have the distinction of being the best and worst investments people can make. When insurance does what the consumer expects it to do, then it can be an investment that could save you a lot of money. But when things go wrong, you could be looking at huge legal bills just to get the insurance company to do what it was supposed to do in the first place.
It is important for you to make sure you completely understand your insurance policy when you sign it, and to make certain that all of the coverage you are expecting is in writing. If a situation involving your insurance company does come down to a legal battle, then there are a few things you can do to hold your insurance company accountable.
Get An Experienced Lawyer
A corporate lawyer that has little personal injury experience is not going to be able to help you with an insurance litigation case. On other other hand, a lawyer with extensive corporate and personal injury experience would be exactly what you need to make sure that you present the best case possible.
An experienced attorney will know the best type of language to use in your case, and they will also know exactly what to expect from the insurance company. As you are choosing attorneys, it is always best to go with the one that is well-prepared to take on an insurance company that is trying to get out of its financial obligation.
Make Your Story Short And To The Point
Insurance companies love to look at every word you say and try to twist those words to their favor. Logically, that means that you want to give insurance companies as few words as possible to twist. When you are giving your story to your attorney, always be concise and give only pertinent facts. Your attorney will do some editing of their own, but you can help the situation by only giving the information your attorney needs for the case.
It does not hurt to give your lawyer extra information because that could help them to plan for any kind of tangent the insurance company will want to go off on. But if you are speaking directly to the insurance company for any reason approved by your attorney, only give the concise and specific facts to your case.
Be Very Specific In Your Demands
Since insurance companies are big on watching every word you say, it only makes sense that you should be very specific in your demands. If you give your insurance company options, it will always choose the option that is least costly to the insurance company. Your attorney will know how to create specific demands in your insurance litigation case that will force the insurance company to offer focused and real answers.
The best advice you can get about tangling with an insurance company is to never do it alone. The insurance company has handled potentially thousands of cases just like yours, while your case may be the first time you have ever gone head-to-head with an insurance company. A good and experienced lawyer has also had their fair share of insurance litigation cases, and they can put you in a position to get the settlement you deserve from your insurance company.