Dealing With an Insurance Company

Many of us purchase insurance policies to protect against unforeseen events or accidents and expect that (in return for our premium payments) when we have been injured in an accident or we have a claim, our insurance company will step up to the plate and provide compensation for these losses. 

Unfortunately, the reality is that many insurance companies will use fraudulent and deceptive practices to intentionally and illegally deny and/or withhold proper payment of policyholders legitimate claims. Many of these bad faith insurance companies utilze a variety of methods to delay or deny claims often forcing their policyholders to resort to litigation in order to get them to pay legitimate claims. They do this in order to increase their profits. Simply put, the less claims they have to pay, the more profit they’ll make. In order to increase their profits, many companies will employ the strategy known as deny, delay and defend.   

When a company fails to properly fulfill its obligation, a victim may file a bad faith insurance claim under Massachusetts law.

Here are three things to keep in mind when dealing with an insurance company:

Read the policy. When dealing with your own insurance company, it is important to read the fine print. Sometimes, you may not have access to the policy, particularly if you have been injured as a result of someone else’s negligence. In these circumstances, a lawyer can help you obtain vital information from the at-fault party’s insurance carrier.

Keep good records. Some insurance companies will go out of their way to make your claim as difficult as possible. Keeping detailed records of everyone you talked to, including the police, witnesses at the scene of the accident, and doctors can only help your case. A detailed journal can be one of your best assets when going up against an insurance company.

Contact a lawyer. If you have been injured and you are experiencing difficulties dealing with an insurance company, you should consult with an experienced Massachusetts attorney who is knowledgeable about Massachusetts law. Even if you do not hire the attorney, advice from a seasoned professional could prove invaluable.

Bottom line: Don’t be fooled by an insurance company. Following these steps will help make sure you are being dealt with fairly and could be the difference between getting the compensation you deserve or potentially getting nothing at all.

For more information about Massachusetts insurance claims, contact the Weymouth law firm of Curran & Desharnais, P.C. Schedule an appointment for a free initial consultation at 781-618-3197 or toll free at 888-682-9194.

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