Insurance attorneys are professional lawyers that fight in court to ensure that you get a fair compensation claim settlement when you suffer any misfortune for which you have been insured against. Policyholders don’t wish to have anything to do in the law courts, and insurance companies would prefer they don’t go to law courts because of the negative publicity attached to lawsuits and the court judgements which might be unfavourable to them, but it does happen once in a while that compensation claims are referred to the courts for ruling.
Law courts are seen as arbiter in such cases and insurance attorneys represent your case to ensure that you have a fair judgement How does this come about? This happens when an insurance company offers you a compensation settlement that you feel is way below what is needed to cover your loss in any insured risks. For example, you have been involved in an auto accident that leaves people dead, your car wrecked, and yourself become invalid and unable to work again for ever. You are expecting about $2 million dollars to cover for your loss and disability, but your insurance company offers you about $900,000 which you feel is grossly inadequate. You may dispute this settlement with them but if nothing is happening to make them pay you what professional underwriters and adjusters feel is fair pay, then you can resort to the courts.
It is still possible to gain insurance compensations without a lawyer or attorney, but you stand a risk of being grossly underpaid without knowing it. That is why you need the professional intervention of insurance attorneys when you have any compensation claims and have been offered a settlement by your insurance company. Your insurance attorney will be able to help you out in the following ways:
a. Application knowledge of insurance laws: An attorney would have extensive knowledge of the law and know how to apply them to your own individual case. You can never fight your own case in courts without understanding and knowing how to prove what the law says applies to you. In one word, you do not know your rights under insurance compensation laws and you do not know what the law stipulates should be paid to you in the light of your own peculiar case, but an expert insurance attorney would be able to fight your case and win a fair compensation settlement that is even above your expectations for you.
b. Ability to negotiate fair compensation settlement: One thing you must know here is that insurance companies partly make money by underpaying their policyholders when claims arise, and you might equally fall victim to this if you don’t have a legal representation in court. In fact, many insurance companies rush to offer you a compensation before you wake up to the benefits of an attorney and how he could help negotiate for larger compensation in the law courts. Insurance attorneys have the legal skills and the practical abilities to negotiate fair compensations that would surpass your expectations for you; so do not accept any quick compensation from your insurance agency until you have spoken with an experienced insurance attorney.
c. Fair court representation: An insurance attorney gives you fair representation in court and this helps ensure that what you deserve is what you finally get from the courts.
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