Insurance Litigation: When to Hire an Insurance Claim Lawyer

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When it comes to insuring individuals or businesses, insurance companies often have one main goal: to protect their profits and bottom line. While everyone can certainly benefit from having insurance coverage in place, various legal disputes and issues may arise. These can involve complicated claims that require the assistance of a qualified insurance claim lawyer.

Every insurance dispute is unique, so you need a lawyer who is knowledgeable of insurance laws and has extensive experience with the insurance litigation process. Having the right legal representation in your corner can make all the difference in the world when it comes to resolving an insurance dispute in your favor.

At Pierce Skrabanek, we have decades of experience dealing with large companies and providers, so we understand firsthand the tactics and strategies they employ. If you are facing any type of conflict or dispute regarding your insurance, contact us at (832) 690-7000 for a free, confidential consultation to determine your legal options.

Couple looking distressed while meeting with an insurance agent

What is Insurance Litigation?

Insurance litigation involves disputes regarding the meaning, scope, and coverage of insurance policies and other similar contracts. The issues involved in an insurance lawsuit can cover a wide range of legal conflicts, though most of them relate back to the insurance policy. Litigation seeks to compensate the injured party for losses they may have experienced as a result of the insurance conflict.

First-Party and Third-Party Claims

Insurance disputes are typically divided into two main categories: “First-Party” claims and “Third-Party” claims. A first-party claim is brought by the insured party directly against the insurer. This is usually done for a loss they sustained, such as losses caused by a fire.

In contrast, a third-party claim is brought by the insured against a third party — someone not listed on the insurance policy. The conflict usually involves the scope of the coverage as well as determining who is liable for the damage.

For both first-party and third-party claims, the dispute is typically resolved through formal litigation. The legal proceedings aim to determine the rights of the parties under the policy coverage, and to issue an appropriate remedy for the injured party’s losses.

Types of Insurance Claim Disputes

There are various types of insurance claims. Understanding the different types can help you select the attorney with the experience you need for your claim.

Common types of insurance claim disputes include: 

  • Residential Property Insurance Disputes: These involve disputes over policies that cover your home. These often involve compensation after an accident occurs at a home, or when a natural disaster strikes.
  • Commercial Property Insurance Disputes: Commercial property insurance disputes cover many business-related losses, such as loss of inventory or payroll issues. They can also involve property damage as in residential property claims.
  • Bad Faith Insurance Disputes: These types of disputes involve situations where an insurance company did not act fairly and honestly toward a policyholder when handling a claim. This can occur in a wide range of insurance settings.
  • Hurricane Insurance Claims: These are a specific type of property claim dealing with damage from hurricanes, such as those caused by Hurricane Laura. They often deal with issues such as severe wind damage or temporary housing while the property is being repaired. Hurricane insurance is a common concern for many residents.
  • Car Accident Insurance Claims: Such claims involve coverage for property damage, injuries, and other losses that may be associated with car accidents. There may be overlap with healthcare coverage issues for the injuries.

Thus, insurance litigation can involve a wide range of disputes happening in various areas of one’s life. You should select an insurance claim lawyer who has knowledge in dealing with the particular issue at hand. At Pierce Skrabanek, our insurance claim attorneys have the experience needed to provide you with thorough representation for your case.

When You Should Contact an Insurance Claims Lawyer

Most consumers have never dealt with an insurance conflict. It can be confusing and intimidating, and you might not know where to begin. You should contact an insurance claim lawyer if you are facing:

  • Claims where you and an insurance adjuster have disagreements early on
  • Complex claims involving many parties
  • Claims where it is difficult to establish fault
  • Large claims involving severe damage, such as after a hurricane, tornado, or flood
  • Insurance claims where you suspect fraud may be a factor

Regarding the last point, insurance fraud can take many forms. It can involve several types of conduct, including:

  • Denying claims without a thorough review, often in the face of sufficient evidence
  • Delaying claims, which can sometimes have the effect of reducing the amount of compensation the person receives
  • Deflecting claims by saying the damage was caused by another factor not covered by the policy
  • Undervaluing or understating the amount of damage done to the property

Insurance fraud is a serious violation that can lead to severe legal consequences, sometimes criminal charges. Be sure to contact a lawyer if you suspect fraud is an issue. Filing a lawsuit can help expose widespread practices of fraud and ensure it doesn’t get repeated for other consumers.

Man meets with an insurance agent while looking over the damage from a car wreck

Contact an Insurance Claim Lawyer Sooner Rather than Later

As for the timing of when to contact an insurance claim lawyer, it’s always better to get in touch with a lawyer sooner than later. If your claim has already been denied, it may be more difficult to challenge or appeal the claim (though it is still certainly possible).

Working with a lawyer before you even submit your claim is a better approach, as your attorney can help you review your claim and any other relevant documents. They can also help identify potential points of dispute, which can help avoid conflicts in the long run.

If you have any questions at all about an insurance claim or issue, contact Pierce Skrabanek at (832) 690-7000 to schedule a free, no-obligation consultation regarding your claim.

Decades of Experience Holding Insurance Companies Accountable

Insurance litigation is a complex process that typically requires the experience and guidance of a qualified insurance claims lawyer. Without a lawyer, you will be at a significant disadvantage, as the insurance company will typically proceed with a lawyer regardless of whether you have one.

At Pierce Skrabanek, our lawyers have decades of experience litigating successfully against large entities and defending the legal rights of American consumers. Obtaining the best results for our clients is our top priority, and we work tirelessly to hold companies responsible for their actions.

We are not afraid to stand up to insurance companies, adjusters, and agents, whose aim is often their own profits rather than providing quality services for the American consumer public. 

Our mission is decidedly clear — justice and proper compensation for you. We work tirelessly so that you can focus on moving forward with your life. If you or a loved one are facing any sort of insurance dispute, contact us at (832) 690-7000   for a free consultation. We always pursue the best results possible for you.

 

Insurance Claim Lawyer FAQs

Insurance claim lawyers handle a broad range of tasks and services related to insurance litigation. An experienced insurance lawyer can help:

  • Draft and review insurance policies and contracts
  • Assist with the insurance claim process
  • Detect and identify instances of fraud
  • Provide representation in the event of a lawsuit
  • Research relevant laws and statutes
  • Argue for damages in a court of law

An insurance claim lawyer will have specific training, education, and experience in dealing with insurance lawsuits. Thus, it is especially beneficial to work with one if you have a legal dispute or conflict.

You should consider a wide range of factors when selecting a lawyer to handle your insurance case. These factors include:

  • The lawyer’s track record of success in handling insurance dispute cases
  • The amount of experience the lawyer has
  • Whether the attorney has any special insurance law qualifications or certifications
  • How well the attorney communicates, both verbally and electronically
  • How responsive and empathetic the lawyer is toward you

You won’t truly understand how a lawyer will work with you until you first meet with them and discuss your case. That’s why it’s important to schedule a consultation with them to get a feel for how they interact with you and to determine whether they will be a good fit for you.

At your consultation, don’t hesitate to ask an attorney any question that needs answering. Remember, there are no incorrect questions, and your inquiries will be held in confidence. Commonly asked questions for insurance litigation attorneys include: 

  • How long will my case take?
  • What types of damages do you think I am entitled to?
  • What documents and statements do you need from me?
  • What fees and costs are associated with this case?
  • How can I reach you if I have further questions?

While each case will be different, the attorney should be able to provide general indications regarding your case, and will be able to make informed decisions based on the facts surrounding your case. If you need help, get in touch with a lawyer today at Pierce Skrabanek to get started on your claim.

 

Client Testimonials

“Mike and his team helped me settle an injury claim case. I was informed and helped through every step and they were always professional and very responsive. I really enjoyed working with them.”
-Denise Z.

“My attorney, Michael, did an amazing job with my case. He’s a straight shooter and has a vast knowledge of the law combined with an extensive amount of experience, making him a fantastic attorney. I fully recommend this firm. Thank you Pierce Skrabenek!”
-Victoria S.