You expect to get insurance money when you need; that is the whole purpose of signing up to an insurance plan and paying into it. When your insurance company refuses to pay the money that you need to settle your account for a hospital bill, it can be frustrating and unnerving. Anyone who has experienced this kind of treatment knows the sense of panic that emerges with the thought of having to pay large amounts of money out of pocket.
To be denied a claim that you have made for health expenses is galling, but you need not resign yourself to it. You have legal options and you should exercise them.
Making Insurance Companies Pay
Insurance companies exist to make money for their owners and shareholders. You should not be in any doubt about that. They will do whatever it takes to preserve and expand the capital they sit on. They employ armies of experts to find ways of denying people the payouts they are entitled to.
The idea of insurance is a sound one. It involves the pooling of resources to mitigate the financial burden of rare, costly, and unforeseen events. The trouble is that too many companies have forgotten the basic principle of insurance, which is to give clients the financial aid and assistance they need when they need it.
If you have been the victim of an insurance company that refuses to act in accordance with the policy agreed to and paid for, you should hire a bad faith insurance attorney. Such a lawyer will help you file suit against your insurance company and get them to pay the money they should.
Getting Someone Who Will Fight Your Corner
It is not until you need your insurance money that you find out how much time and energy some companies put into avoiding payment. Hiring an attorney will give you a fighting chance to get the compensation you are entitled to. A distinct understanding of the inner workings of the insurance industry and the language used by insurance professionals is one of the greatest assets that such a lawyer brings to your case.
In some cases, the matter may be settled with a few phone calls or emails from your legal advocate to the insurance company. If that does not work, then your lawyer will help you build up the case necessary to file suit and compel the company to act as it should.
The suit itself need not go to trial. You may be able to settle out of court. If that is the case, then you want to ensure that your lawyer is able to negotiate in a way that is effective and successful in getting you the money you need to pay your bills.
If you are being treated unfairly by your insurance company, you must fight back. Some companies must be made to do the right thing. This can only happen if their illegal and unjust actions are resisted.