What To Know Before Suing Your Insurance Company

An insurance policy is a written agreement that both parties must follow. That is why if the insurance company fails or violates the insurance policy terms, you can always sue them. In addition, there are many laws in place to protect you so that the insurance company does not take advantage of you.

So, if you are thinking, “Can I sue my insurance company?” then you have come to the right place. Here is everything you need to know before suing the company.

When Can You Sue Your Insurance Company

There are many duties that the insurance company must fulfill, especially related to your contract. That is why it is crucial for them to abide by the policy terms and avoid any unfair practices. Here are some of the top instances that can allow you to sue your insurance company:

  • Denying a claim with no reason for the denial
  • Delayed or inadequate investigation in the claim
  • Failure to deny or approve a claim within a certain time
  • Refusal to pay a claim where the liability is clear

Of course, there are many other reasons, but these are the most important ones that will allow you to answer, “Can I sue my insurance company?” It is crucial that you contact the right qualified attorney before suing your insurance company.

Important Things To Know Before Suing Your Insurance Company

Here are the top tips that you must know before you sue your insurance company:

1. Document Everything

It is crucial that you document all the correspondence with the insurance company and their representatives. For example, you can keep copies of all the emails and note down the phone conversations. That includes noting the names of the representatives and the dates.

You must also remember that they might be recording your calls. So, it is important to tread carefully and ensure that you document everything too.

2. Maintain Records

The second thing you must do is maintain the records of the insured property. That means you must maintain the pictures, receipts, and many other things. Even if there has been an accident, you must take pictures of the damage to keep all the records.

3. Select The Right Attorney

Finally, it is crucial to select the right attorney for your case. They must have a lot of experience in insurance litigation. That is because insurance law tends to be expensive, time-consuming, and challenging.

So, you need to have the right attorney by your side who is familiar with the territory. The right attorney will guide you throughout the case and guarantee that there is a fair settlement.

Final Words 

We hope we have answered your question of “Can I sue my insurance company?” Yes, you can but ensure you know everything important before you take the step of suing the company. After all, your claim must have legitimacy, and there must be evidence that the insurance company has wronged you if you want to win the case.