Whether you were injured in a car accident or a storm damaged your home, compensation for many types of accidents and unforeseen events takes place through insurance companies. While victims may find it easy to manage simple insurance claims on their own, complicated claims and/or issues with the insurance company itself can be challenging to handle without the help of a lawyer.
Insurance companies do not have your best interest in mind, and they will likely take any opportunity to manipulate you and prevent you from receiving the compensation you deserve. They also have their own legal teams working for them, and they know how to take advantage of victims for the monetary benefit of themselves and their clients.
If you have a difficult insurance claim or suspect that an insurance company has unlawfully denied your claim, an Aurora insurance claims lawyer can help you seek compensation. Contact Pintas & Mullins Law Firm today at (800) 223-5115 for a free consultation with a member of our team.
Reasons to File Suit Against an Insurance Company
The challenges associated with situations that require you to file insurance claims can be overwhelming, especially when you consider handling them on your own. It may seem more complicated to involve a lawyer, but they can streamline the process by reviewing your options and determining if you have a case. Aurora insurance claim lawyers manage many types of insurance claims and can choose a suitable approach based on the details of your specific case.
Failure to Pay Claims
Insurance companies take a certain amount of time to decide on a claim, notify you in writing, and provide payment. While the payment time varies, most insurance companies complete the claims process within 30 days. If you find that you have waited an unusually long period of time for your compensation, you may have a case against the insurance company.
Similarly, insurance companies may reject claims without a valid basis. While they may turn down your claim for legitimate issues such as errors on your application or lack of coverage, they may also do so after failing to properly investigate or approve the claim despite the fact that the circumstances qualify you for coverage. If you suspect that an insurance company unfairly refused to pay your claim or failed to pay within a reasonable time frame, an Aurora insurance claims lawyer can help you take action.
Large or Complex Claims
Simple claims often have a straightforward process that you may find easy to manage on your own. However, Forbes suggests hiring a lawyer for more complex claims such as those involving large amounts of compensation, minor claimants, or extensive injuries or damage. Insurance companies have more to lose on expensive claims, especially if unclear liability plays a role.
Remember, insurance companies can use anything you tell them against you when it comes to choosing whether or not to deny your claim—the more communication you have with them, the more opportunity they have to record statements they can use against you. You have a right to reject all offers and speak with an Aurora insurance claims lawyer right away so they can handle all settlement negotiations for you.
Acting in Bad Faith
An insurance company may act in bad faith if they manipulate or misinterpret your policy contract’s language to avoid providing you with compensation for your claim.
Claimants should keep in mind that while bad faith practices do occur, certain circumstances—such as basic mistakes that the insurance company later resolves—do not qualify. However, bad faith can occur either intentionally or unintentionally, so even if an adjuster simply overlooks your claim for too long without responding or does not provide a written explanation of why they rejected your claim, you may have a case against them.
If you suspect that your insurance company acted in bad faith by denying or failing to respond to your claim, an Aurora insurance claims lawyer can help you hold them accountable. To learn more, contact Pintas & Mullins Law Firm today for a free case evaluation.
How a Lawyer Can Help You with Your Case
Insurance companies and their legal teams often use intimidating tactics to attempt to blame the victim, undervalue their losses, or completely avoid paying their claim. Lawyers know their unethical practices all too well and can help you avoid further victimization by:
- Investigating the details of your claim to determine fault and prove liability to the insurance company
- Examining contracts to identify breaches and bad faith practices
- Handling all communication with the insurance company, so they do not have a chance to twist your words
- Seeking a fair settlement for you
- If necessary, taking your case to trial to fight for fair compensation
An Aurora insurance claims lawyer can provide you with updates on your claim every step of the way and answer any questions you have about your case.
For a free legal consultation with a Insurance Claims Lawyer serving Aurora, call (800) 794-0444
Illinois Statute of Limitations on Insurance Claims
Every state has statutes of limitations, or time limits, on insurance claims. In Illinois, the amount of time you have to file depends on the type of case you have. For example, if you need legal assistance for a complicated flood claim, you can usually file within a year of the incident. If you wish to file a suit against an insurance company for breach of contractual agreements, you may have up to 10 years. An Aurora insurance claims lawyer can help determine how much time you have to file your case.
Aurora Insurance Claims Lawyer Near Me (800) 794-0444
Contact Pintas & Mullins Law Firm Today
Dealing with an injury, property damage, or another unfortunate circumstance that requires you to file a claim with an insurance company likely feels unbearable enough on its own—let alone the thought of dealing with a lawsuit on top of it. The Illinois State Bar Association (ISBA) suggests contacting a lawyer to learn your rights and discuss your legal options.
If you have a complex insurance claim or feel that an insurance company acted in bad faith in the handling of your claim, the Aurora insurance claims lawyers at Pintas & Mullins Law Firm can help. Contact us today at (800) 223-5115 for a free case review.