How to Defend Your Rights as a Disabled Person
There are few worst things in life than dealing with an insurance company that acts in bad faith. Insurance is one of the greatest innovations of the modern age. It is a way of pooling risk and giving people financial protection against contingencies. If you have a policy and have kept up with the payments, it is only reasonable to expect financial help when you need it. You will especially need your insurance to come through if you have suffered an injury that will leave you with long-term disability. You must start planning for a new type of life almost immediately, and you cannot do that until you get the money you are owed.
Legal Counsel
If you have filled out the paperwork for your claim and heard nothing back from your insurer, it may be honest mistake. However, if you call the insurer and can’t get a straight answer, then your next call should be to a lawyer.
Bureaucratic stonewalling is one of the most frustrating and infuriating things that anyone can experience. But you need not allow your emotions get the best of you. It is better to put an experienced and highly skilled lawyer such as the ones found at Darras Law on the case.
Why Insurance Companies Act in Bad Faith
Although the idea of insurance is noble and useful, the actual practice of many insurance companies isn’t. Insurance is one of the largest industries in the world, and it is the main aim of individual insurance companies to deny as many claims as they can. Armies of claims adjusters and lawyers are in league to deny the legitimate claims of people whose money the company takes.
In furtherance of this aim, insurance companies create policies filled with all kinds of obscure clauses and fall-backs that give them the right to refuse people who have been injured and disabled the money they need for treatment. This is all done in the name of maintaining profit and shareholder value, and you will not know anything about it until you need the money and are unable to get it.
What Your Lawyer Will Do
Lawyers with experience in handling such cases will look carefully at your insurance policy. Using their knowledge of the law, they will challenge those parts of the document that are vague, misleading, or flat out illegal. A contract is not binding if one party has entered it in bad faith. Recent court decisions give insurance holders plenty of room to challenge policies that are clearly meant to deceive them.
If you are forced to sue the insurance company, the case need not go to court. Your lawyer may be able to present enough evidence to the insurance company to compel them to make you an offer. They may prefer to settle the matter out of court rather than risk a long and prolonged trial that may invite other clients to sue them for the same reason.
