Why You Need a Lawyer to Help With a Life Insurance Dispute

Life insurance is supposed to protect your family in case of a calamity. However, what happens when the insurance company doesn’t keep up with its end of the bargain? Do you give up and suffer in silence or opt to fight for your rights? For most people, the latter is the obvious answer. But how do you go about it, for the most efficient results? The answer to that is a lawyer. Just in case this has never crossed your mind, here is why you need to hire a lawyer to help with a life insurance dispute.

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     They know the tricks that insurers use

Life insurance is supposed to help beneficiaries navigate through life without hardships. However, in order not to pay, some insurance companies use the fine print to avoid paying. Some of the tactics they use include misrepresentation and retroactive cancellations.  For instance, on misrepresentation, insurers sometimes use questionable grounds to void the contract. Experienced life insurance lawyers can identify these tricks easily and counter the insurer’s claims in court. This ensures that you get paid your life insurance benefits, and on time.

2.   Insurers have their lawyers too

Picture this, an insurance company has failed to pay your life insurance benefits, and you choose to represent yourself in court. On its part, the insurance company brings a battalion of top cream lawyers to represent it. Who do you think will win? While you may win, there is a much higher chance that you will lose. That’s because you will be up against people who understand the law concerning insurance much better than you.     To avoid such a scenario, it would be best to have a lawyer represent you. Your lawyer is much better positioned to counter the insurer’s arguments and help you get your rightful dues.

3.   They understand the law better

Seeking justice from an insurance company or any other company for that matter is not a walk in the park. There are lots of technicalities involved, and if you are too slow, your case may be hit with a statute of limitations. To avoid such a scenario, which largely favors the insurance company; it is best to engage a lawyer. An experienced lawyer knows how the justice system works and can help you get justice fully, and fast.

4. They can help you claim for time wasted litigating

The time spent litigating with an insurance company is the time that you are also suffering. That’s because, you are possibly dealing with the loss of a loved one, and at the same time, not engaging in other productive activities. It’s also a costly process and you may have to live with this loss even after the insurer has paid. To avoid such a situation, engage a lawyer who can help you sue for lost time, and the hardship you undergo in the litigation process. This can give you a much bigger payoff, than what the insurer was supposed to pay you. It would be a well-deserved payoff.