When it comes to suing your insurance company, you will need all the help you can get. These major corporations are used to litigation and have a venerable army of lawyers and legal experts helping them every step of the way. That means that you need to be prepared, whether you are encountering a suing insurance company (when they sue you) or you are preparing to sue your insurance company.
Like all legal endeavors, confronting a suing insurance company or suing one yourself is best done under the guidance or complete control of experienced, passionate attorneys and legal experts. If you are planning on suing, you should contact a firm that can best represent your interests. Only they can help you build a solid case to help you get the compensation and justice that you deserve. That being said, there are some things you should know before you call them. Here is a brief guide to help you think about suing your insurance company to help you make sure you make the right legal decisions.
Make Sure Suing is the Best Route
A suing insurance company often chooses a lawsuit because they have considered other legal maneuvers and decided that the lawsuit is the best course of action for getting the results they desire. The same should be in your decision to sue. There are myriad other ways that you can take legal action against an insurance company that you believe has wronged you, lawsuits and suing being just one option. In these instances, it’s sometimes best to consider your other legal options with the help of an attorney that has experience in insurance company lawsuits. They can walk you through all your options to help you find the right path to take, and the best ways to help you get the compensation that you seek.
Have All the Paperwork. That Means All of it
When people are being contacted by a suing insurance company, they are often left scrambling for the relevant paperwork and information. In these instances, the best advice for the question, “What paperwork should I provide?” is “all that paperwork you have.” Medical documents, witness statements, text messages and recorded communications: anything and everything that may be relevant should be provided, which means that you should be keeping extremely detailed records long before trying to sue your insurance company. It is often the people who have kept careful records who also have the best chance of winning. And if you think you have too much paperwork, bring it to your attorney and let them decide what is useful and what isn’t.
Determine if Your Insurance Company Acted in Bad Faith
Bad faith is the most common type of lawsuit against insurance companies. A suing insurance company can even file a lawsuit after they have acted in bad faith as an intimidation move, which is why you should always consider if they have acted in bad faith. “Bad faith,” in the legal sense, means an “intentional dishonest act by not fulfilling legal or contractual obligations,” and this can take many forms. Common instances include denying a claim without proper investigation, unnecessary delay in paying the claim, failing to negotiate a claim, failing to communicate important information regarding a claim, or paying less than what is reasonably owed. In all of these instances, your insurance company may have acted in bad faith and you will have a case moving forward.
Be Prepared for the Long Haul
A suing insurance company is often equipped with the resources and legal finesse capable of dragging out cases for months or even years. In instances where the case represents a further threat to their business practices, or where it will potentially put them in a bad light, they can use all kinds of tactics to try and wait out the proceedings. This is a common tactic used by insurance companies that are involved in lawsuits for as little as $10,000, meaning that you should be prepared to go the distance. Always ensure that your financial arrangement with your legal team is something that you can pay, or else your case may end before you see what you deserve.
When you are suing an insurance company, or when you encounter a suing insurance company, your best bet is always to have the best representation possible alongside a case that is built on detailed records. Without the right case and the right team arguing that case, you could end up in a much worse situation without the justice and compensation for which you are fighting.