When You Should Hire a Lawyer For an Insurance Claim

Your insurance policy is a financial safety net that’s designed to help you pay for life’s unexpected events, such as a car accident or a sink flooding in your home causing extensive damage. But what happens when you try to file a claim that gets denied or only half gets paid out? At this point, it may be worth considering hiring a lawyer to help you if the claim is worth the fight- and in some cases, it absolutely is. Let’s review when you should hire a lawyer for an insurance claim. 

When to contact a lawyer about an insurance claim 

Usually, consultations with lawyers are free and could be a good idea to explore your options and if a legal battle is worth pursuing. Depending on your claim, minor claims can be settled without much of a fight. Still, more significant claims for both you and the insurance company may be a more considerable undertaking. 

Claims that are worth getting some legal help include: 

  • Claims where fault is hard to establish (ex., A car accident)
  • Expensive or convoluted claims 
  • Claims that are made when you and your insurance adjuster disagree early on in the process 
  • Large claims (ex., A house fire) 

For an in-depth look at what you need to know about how exactly the claims process works, check out this helpful article from the Insurance Information Institute.

Will a lawyer help if my insurance claim has already been denied?

An experienced lawyer may be able to help you get the insurance company to reverse the denied claim. But keep in mind, unless the insurance company sees new evidence, it may be challenging to get your carrier to change its position- but not impossible. 

If you have a large claim (a hurricane destroys ex., Your home), it may be worth having a lawyer on standby or hiring a public insurance adjuster. Because the claims process hinges on deadlines and paperwork, having someone in your corner can help advocate for you. 

Will a lawyer help me win my claims case?

Yes, hiring a lawyer can help your chances of success if you have a valid case. Remember, just because your claim was denied does not mean you should immediately lawyer up. Your insurance company wants to help you and provide all the financial compensation you are entitled to based on your insurance policy. If your case falls into any of the categories aforementioned, then a lawyer or public adjuster may be worth considering to ensure your claims process goes smoothly. 

Get the right insurance with TGS Insurance

When shopping for a policy, whether that be home, auto, boat, or others, most people look at two things: price and coverage. And while those are apparent factors in purchasing a policy, people often overlook the carrier’s claims process and financial strength. At TGS Insurance, we believe that our customers should always have a policy that is perfectly balanced in coverage and price backed by a carrier that can show up when you need it most. We work with over 35+ A-rated (or better) carriers so you can have confidence knowing you’re insured by the best, with the best. See why over 15,000 people trust TGS Insurance with all of their insurance needs! Get your hassle-free quote now. No gimmicks, no BS, just great insurance for all!    

About Katie Rosario

Katie has been in the marketing industry for over 10 years and has a strong passion for writing great content. She has been writing for TGS Insurance for three years and strives to make every piece of content she works on informative and easy to read. In her spare time, she enjoys baking and spending time with her family.