subject: What Types Of Cases Does An Insurance Attorney Handle? [print this page] If you are trying to make a claim with an insurance company for any reason, you probably know how much of a hassle it can be. You may have an insurance company denying your claim, giving you the run-around on when they will pay, burying you in paperwork, underestimating the value of your claim, or otherwise making it difficult or impossible to get the benefits you are entitled to. If you find yourself in this situation an insurance attorney can help.
Types of Cases an Insurance Attorney Can You Help With
An attorney specializing in insurance related matters can help with a number of different types of insurance claims in order to ensure you get the compensation you deserve under the law. For instance, an insurance attorney can assist you with:
* Health insurance claims. If covered treatments are being denied, bills are not being paid, your insurer is misrepresenting the co-pay or other obligations you have, or if your insurer is otherwise treating you unfairly, it is vital to contact a Houston insurance attorney right away. The cost of a heath insurance denial can be far greater than the loss of finances- your condition could become worse or you could be unable to get the treatment you need because of your insurance company's unfair behavior.
* Property insurance claims. Property damage can happen for many reasons, from fires, hurricanes, tornadoes, floods or a host of other disasters. You should be able to replace all covered property when making an insurance claim and if your insurer is underestimating the value of your property or otherwise trying to pay less than it should, an insurance attorney will help.
* Underinsured/uninsured motorist claims. When you get into an accident with someone who does not have sufficient insurance, your underinsured or uninsured motorist coverage is supposed to kick in and stand in the shoes of the person who hit you. The insurance company should pay the costs that the responsible driver would have paid if he had been properly insured. Your Houston insurance attorney will help you to negotiate a claim with your insurer so you can get the full compensation you deserve.
* ERISA claims. ERISA is the Employee Retirement Income Security Act. It provides a number of protections to you in terms of your benefits and pensions. If your employer is not obeying any of the laws and requirements of ERISA, a Houston insurance attorney will help.
* Life insurance claims. Life insurance is purchased to provide protection for people left behind in the event of an untimely death. When an insurer acts unfairly and does not pay benefits as required, this can be especially devastating in the wake of the emotional loss that occurred. A Houston insurance attorney will help you to deal with the insurance company so you can focus on taking care of moving through your grief and coping with your loss.
These are just a few examples of the types of claims that an insurance attorney will cover. Whenever you are negotiating with an insurance company or facing an insurance company denial, calling an attorney for help is a smart choice.
by: Jason M. Byrd
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