If you find yourself in a struggle with your insurance company, have exhausted all of their options to solve the disagreement and feel that they are not being honest and straight forward with their reasoning or decisions, it may be time to consult an attorney. You very well could be involved in a standard disability bad faith legal issue.
Insurance companies have a large armory,and prefer to battle with a less experienced policyholder. However, the playing field becomes level with the addition of an attorney knowledgeable in insurance law on the side of the policyholder.
It is necessary to have a knowledgeable, experienced lawyer watching out for your interests in the legal arena. Your case deserves a professional evaluation by a competent attorney to decide if you truly have basis to bring a bad faith disability claim against the insurance company.
Once you have employed an attorney, you will no longer have to discuss the issues directly with the standard disability insurance company; your attorney will handle all of these conversations. In addition, you will have someone on your side that has a clear understanding of the complex legal processes involved in insurance law. Your lawyer will be prepared to meet the stringent expectations of the courts, including deadlines and other procedures. Without this type of knowledge and understanding, one would be perceived as incompetent and unprepared.
Insurance companies are required to act in good faith and in a timely fashion when they receive a claim. If they have failed to do this, you will need an aggressive, intelligent lawyer to uncover their wrong doings and in a court of law, prove that the standard disability insurance company acted in a malicious manner. In addition, the courts themselves impose requirements and deadlines,which if omitted or missed can be costly mistakes. Making it even more imperative that one hires a competent bad faith disability insurance lawyer.
In addition, you must retain an attorney that has proved his or her ability in insurance law and then notify the insurance company of your new position with an attorney ready and able to engage in battle if necessary.
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