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How To Collect Insurance Claims Without An Attorney

By Jason Markum

Nobody likes paying insurance premiums month after month, but what’s even worse than that is finding out that you have a valid claim but your insurance company has refused to pay you!

What do you do when your insurance company refuses to pay out a valid claim? Can you resolve the issue without hiring an attorney? That’s exactly what I’m going to discuss in this article today.

If you hire an attorney, be sure to hire one that has experience settling insurance claims. Also make sure that your attorney will work on a contingent fee basis, this means that they will only get paid if you win and then the lawyer will only receive a cut of what you receive from the insurance company. Stay away from flat rate fee seeking attorneys in every circumstance.

But if you’re like me, you don’t want to run out and hire an attorney because you don’t want to pay for them and you also don’t want the added hassle. So can you settle with the insurance company yourself without hiring an attorney?

The answer is yes, probably. Here are some tips to help you out in your quest. Understanding these things will help you win your case against your insurance company.

The first thing you want to consider is whether or not you live in an at-fault or no-fault state. You’re better off negotiating yourself if you live in a no-fault state because in these places the insurance company is bound by law to reimburse you for any losses.

Next, be sure to understand all the language in your insurance policy. Spend as much time as you can learning what every section means specifically. If you don’t understand a certain word in the documents, look it up. The more you understand and the more familiar you are with your own insurance policy, the harder will be for your insurance company to use that policy against you and try to muddle you with fine print. Not only that, you may be well off looking up the applicable law as well.

Next, you want to be sure and document absolutely everything completely. Every time you pick up the phone and call the insurance company, make a note of who you talk to, make a note of the date, make a note of the time, get their employee number, write down exactly what you said and exactly what they said, keep a running dialogue written down. If you write a letter to the insurance company, keep a copy of it. If they write you back, keep a copy of that, keep a copy of every thing that has anything to do with your case including police reports, or medical reports, or any other kind of reports that you come across.

Finally, be persistent. If somebody tells you “no”, then go around them and talk to somebody higher up at the insurance company. Just keep pushing until you reach vice presidents, or even presidents. The more people you can talk to and the higher up the food chain the better off you’re gonna be because sometimes the people at the bottom don’t have the authority to make decisions and are there simply to tell you “no” in the hope that you will go away.

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