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Top Sells, AZ Insurance Lawyers Near You

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Lead Counsel Verified Attorneys In Sells

Lead Counsel independently verifies Insurance attorneys in Sells by conferring with Arizona bar associations and conducting annual reviews to confirm that an attorney practices in their advertised practice areas and possesses a valid bar license for the appropriate jurisdictions.

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Do You Have an Insurance Law Problem?

The area of law encompassing insurance in general as well as insurance policies and even claims against an insurance policy is rightfully called insurance law. If you have a problem regarding insurance, whether it be in regards to regulating insurance policies or with the handling of a claim, an experienced Sells insurance law lawyer can help.

Different Types of Insurance

Insurance is available for almost any type of peril or danger, including natural disasters, theft, property damage, fire and even personal injury claims. The purpose is to protect you in case something damages whatever property you have insured.

Insurance law governs how policies are written, the duties and obligations under individual insurance policies as well as the protection you can receive against third party claims. Insurance law can also protect insurance companies against fraudulent insurance claims.

What happens when my claim is denied?

If you receive a claim denial, whether it’s for car, health, homeowners, disability, or any other kind of insurance, you likely have the option to appeal. If you believe your denial was illegal or your insurance provider was acting in bad faith, you should consider consulting with an attorney to discuss your options. In some cases, you will be able to handle the appeal yourself.

What does my insurance cover?

This is where it’s important to read the fine print. Every insurance policy – health, home, renters, car, disability, etc. – will list instances in which your coverage is not valid. For example, some health insurance policies cover certain surgeries, but not physical therapy. It’s important that you understand what your policy does and does not cover.

How much insurance do I need?

This is best left to your best judgment. If you anticipate having trouble affording premium payments, then you may have no choice but to pay for less coverage. However, if you think that there is a chance that you will need coverage, and any losses will far exceed what you pay in premiums, you should consider purchasing more. Take your budget into account.

How an Attorney Can Help

An attorney can often resolve your particular legal issue faster and better than trying to do it alone. A lawyer can help you navigate the legal system, while avoiding costly mistakes or procedural errors. You should seek out an attorney whose practice focuses on the area of law most relevant to your issue.

How to Prepare for Your Initial Consultation

Prepare for your consultation by writing down notes of your understanding of the case, jot down questions and concerns for the attorney, and gather your documents. Remember that you are trying to get a sense of whether the attorney has your trust and can help you address your legal issues. Questions should include how the attorney intends to resolve your issue, how many years he/she has been practicing law and specifically practicing in your area, as well as how many cases similar to yours the attorney has handled. It can also be helpful to broach the subject of fees so that you understand the likely cost and structure of your representation by a specific attorney and/or legal team.

Types of legal fees:

Bill by the hour: Many attorneys bill by the hour. How much an attorney bills you per hour will vary based on a number of factors. For instance, an attorney’s hourly fee may fluctuate based on whether that hour is spent representing you in court or doing research on your case. Attorneys in one practice area may bill you more than attorneys in a different practice area.

Contingent fee: Some lawyers will accept payment via contingent fee. In this arrangement, the lawyer receives a percentage of the total monetary recovery if you win your lawsuit. In sum, the lawyer only gets paid if you win. Contingent fee agreements are limited to specific practice areas in civil law.

Flat fee: For “routine” legal work where the attorney generally knows the amount of time and resources necessary to complete the task, he/she may be willing to bill you a flat fee for services performed.

Common legal terms explained

Pro se – This Latin term refers to representing yourself in court instead of hiring professional legal counsel. Pro se representation can occur in either criminal or civil cases.

Statute – Refers to a law created by a legislative body. For example, the laws enacted by Congress are statutes.

Subject matter jurisdiction – Requirement that a particular court have authority to hear the claim based on the specific type of issue brought to the court. For example, the U.S. Bankruptcy Court only has subject matter jurisdiction over bankruptcy filings, therefore it does not have the authority to render binding judgment over other types of cases, such as divorce.

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