How do I file a claim against an insurance company?

Injury Attorneys | Restoring LivesTM

September 25, 2016 | Insurance Claim Denials |

When there are substantial damages at stake after a personal injury, you’ll like file a claim with your insurance company. Receiving the right amount of compensation could cover medical bills, any judgments against you, attorney’s fees, and damages for stress and anxiety. But, if your insurance company handles your claim recklessly, maliciously, or otherwise fails to abide by the terms it lays out in its own contracts, filing a claim against your insurance company may be your best option.

First and foremost, you should always keep records of every conversation you have with your insurance company and request a copy of chat transcripts; write down names, dates, etc. This is especially important when you feel that you’re being mistreated or misguided. If they refuse or don’t honor your request for hard copies of communication, send your insurance company a certified letter detailing the tactics they were using against you, and request that a receipt be returned. The simple fact that the letter exists in their possession could be enough fuel to get them to cooperate and work fairly with you. If not, you might consider contacting the Indiana Department of Insurance to file a complaint. The IDOI will then conduct an investigation and send the complaint to your insurance provider. If you aren’t satisfied with the response, an IDOI employee will take over the case.

Even if your case is taken over by someone in the IDOI, this person cannot act as your attorney. Plus, working with the IDOI could be a lengthy process. To avoid hefty back and forth communication, you might consider hiring an insurance bad faith attorney. They will likely handle the claim process at a much faster pace. What’s more, an attorney will be more involved in your individual case and work with you one-on-one to get the compensation you deserve.

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