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 Hattiesburg 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.
When to Hire a Lawyer
It is in your best interest to get legal help early on in addressing your situation. There are times when hiring a lawyer quickly is critical to your case, such as if you are charged with a crime. It may also be in your best interest to have a lawyer review the fine print before signing legal documents. A lawyer can also help you get the compensation you deserve if you’ve suffered a serious injury. For issues where money or property is at stake, having a lawyer guide you through the complexities of the legal system can save you time, hassle, and possibly a lot of grief in the long run.
What to Expect from an Initial Consultation
- Seek to determine whether the attorney can represent you. There is no one-size-fits-all legal solution and it may turn out your needs are better served by an attorney in a different specialization.
- It’s important to find a legal ally who is both competent in the law and someone you can trust to protect your interests.
- Discuss how the practice’s billing works and discuss possible additional charges or fees that may arise during or after the resolution of your case.
An attorney consultation should provide you with enough information so that you can make an informed decision on whether to proceed with legal help.
How to Find the Right Attorney
- Determine the area of law that relates to your issue. Attorneys specialize in specific practice areas around legal issues within the broad field of law.
- Seek out recommendations from friends, family, and colleagues. A successful attorney or practice will typically have many satisfied clients.
- Set up consultation appointments to get a better understanding of your case as well as gauge your comfort level with different attorneys. Find the attorney who is the right fit for your needs.
Common legal terms explained
Plaintiff – a person or party who brings a lawsuit against another person(s) or party/parties in a court of law. Private persons or parties can only file suit in civil court.
Judgment – A decision of the court. Also known as a decree or order. Judgments handed down by the court are usually binding on the parties before the court.