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The Role of Insurance Lawyers in Complex Insurance Disputes
You may need to hire a lawyer to deal with the insurance company on your behalf to get you the money you deserve under your policy’s terms. Without one, the insurance company could get away with shortchanging you or denying your claim entirely.
Claimants may experience complex coverage disputes in the following types of claims:
- Property and casualty
- Errors and omissions
- Commercial coverage
- Business interruptions
- Life insurance
Coverage disputes generally result from the following:
- The insurance company denies your claim because they argue that the policy terms did not cover it.
- The insurance company values your damages far less than their true value.
Hiring a Lawyer Can Show the insurance Company You Mean Business
You decide when to involve an insurance coverage attorney in your claim. If you have a complex claim with high stakes, you should consider retaining a lawyer at the claim preparation stage. You should hire a lawyer if your claim is denied.
Your attorney’s mere presence indicates that you mean business. Insurance companies do not like litigation because they must pay for their lawyers out of pocket. Without an experienced lawyer, you do not have a credible threat of litigation, so the insurance company may try to fight your claim.
A Lawyer Reviews Your Policy and Files the Lawsuit on Your Behalf
Your lawyer can help you begin the legal process by reviewing the terms of your policy and helping you determine how the insurance company breached the terms of your policy. An insurance policy is a legal contract, and failure to follow its terms is a breach of contract. Your attorney can help you compile the evidence and documentation that shows that the insurance company violated its obligations to you.
Once your attorney has determined that you have a valid legal case, they will draft the complaint that initiates the lawsuit in court. Then, they will represent you throughout the trial process as your case moves through discovery and towards trial.
A Lawyer Negotiates and Communicates With the Insurance Company
Throughout the case, you may need to negotiate with the insurance company. As they assess their legal risk, they may try to come to the negotiating table. The insurance company may make you a settlement offer. However, the initial offers will likely be for a fraction of what you would deserve under the terms of your policy. Your lawyer can negotiate with the insurance company to reach a settlement agreement.
An insurance coverage lawyer can represent you when communicating with the insurance company. Adjusters are trained to get you on the record, so the insurance company can take quotes out of context or use what you say against you. When a lawyer represents you, they would need to speak with your attorney.
Contact Our New Jersey Insurance Lawyers at Herold Law, P.A. for Help With Your Claim
Our New Jersey insurance lawyers at Herold Law, P.A. can take on an insurance company on your behalf to get you the money they owe under the terms of your policy. Call us today at 908-679-5011 or contact us online to schedule an initial consultation. With offices in the Plainfield area, including Warren, New Jersey, we proudly serve clients across New Jersey.
