Common Questions About Insurance Disputes

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Common Questions About Insurance Disputes

6 January 2015
 Categories: , Blog

If you are like most people, there are numerous possessions that you own that could be extremely expensive to repair or replace when they are damaged. Sadly, it is possible for your house, car, or boat to be damaged by actions that were not your fault. Luckily, insurance policies can protect you from the financial costs of these damages to your property, insurance companies may wrongfully deny your claim. When this happens, there may be a couple of questions you need answered before deciding how to proceed with the insurance company. 

Do You Have Any Options If The Insurance Denies Your Claim?

Sadly, there are some people that may be under the impression that once a claim is denied there is nothing else that can be done. Fortunately, this is not the case, and most insurance carriers provide their customers with the option to appeal the original ruling on the claim. When a claim is appealed, it will typically be reviewed by a different insurance representative, and this may result in a different ruling. 

If the insurer still refuses to cover the damage and they are clearly outline in your contract, you may need to hire an attorney to help resolve the matter. There is a strong chance that the insurance company will be more willing to work with an attorney, and if they still will not cooperate, you may be able to file a lawsuit for the company selling you a bad faith insurance policy. 

How Long Will It Take An Attorney To Resolve The Insurance Dispute?

While it is true that pursuing these matters through the court system can take time, it is impossible for your attorney to give you an accurate estimate about how long it will take to resolve the dispute. This is largely because it depends almost entirely on the willingness of the insurance company to honor the policy. 

When negotiations fail and the matter goes to court, this can further extend the amount of time needed to settle it. The scheduling of hearings will have to be coincided with the schedules of everyone involved, and this may significantly extend the amount of time needed for these proceedings to be held. You may not like the idea of waiting to have these matters resolved, but this may be the only way to ensure that you are able to get the compensation your policy entitles you. 

When your insurance company fails to honor your claim after coverable damages, you may think that there is nothing else you can do. Luckily, understanding your right to appeal and pursue the matter through the courts will help ensure your rights are protected from unscrupulous insurance carriers. Take a look at websites like for more information.