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- Your insurance policy is a contract between you and the insurance company. In exchange for your payment of a premium each month, the insurance company promises to pay you when certain events occur resulting in losses to you.
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- Insurance almost always comes into play when you are facing a crisis of some sort. Whether you have been in an accident, had your home hit by a tornado or have become disabled, you are likely to be in a highly stressful period of your life. Insurance should help relieve that stress, not increase it.
- Oklahoma, like many other states, has recognized that there is a special relationship between you and your insurance company. In addition to the specific obligations owed to you by your insurer under your policy, Oklahoma law requires the insurance company to act in good faith and deal fairly with you. The insurance company should be there to help you and address whatever you are facing, not to make your life even harder.
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- A great rule of thumb is “If I think I need an attorney, I probably do.”
- Whenever you are in an accident or you home is damaged by a storm or fire, you will likely report the claim to your insurance company. On some occasions, that may be sufficient. But if the loss is significant, an attorney will be invaluable. Yes, you will have to pay your attorney, generally based on a percentage of how much you recover from the insurance company. However, your attorney should work with you to ensure that you receive a better result than if you would have done it alone even with the cost of paying an attorney.
- Your insurance policy is a very complex document, and an attorney can help you understand whether you should be covered under the circumstances and whether the insurance company is paying you the full amount you are owed.
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- Every law firm and every case is different. However, most attorneys are paid by the hour, by the project or on a contingency fee.
- Most people can’t afford to pay an attorney by the hour. It’s too expensive and there’s no way to know how much it will ultimately cost. Paying by the project gives the client more certainty but still is cost prohibitive to many people. As a result, the vast majority of insurance cases are handled on a contingency basis.
- A contingency case essentially means that the attorney doesn’t get paid unless and until you do.
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- If a claim cannot be resolved by negotiations with the insurance company, a lawsuit may be your only option. Many people have no idea what to expect, and that’s where we come in.
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- A key part of litigation is written discovery. Attorneys from both sides will serve the other with documents asking for information about the case that only the other side has.
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- If a case is not resolved early in the litigation process, there is a very high likelihood that the plaintiff will be deposed by the insurance company’s attorney. A deposition can be a very challenging experience but having a good idea of what to expect makes the process far easier.
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- A mediation is one type of alternative dispute resolution involving the employment of a neutral party. That means it gives you a chance to resolve your case without a trial, on your own terms.
The Insurance Policy
Insurance policies are incredibly complex. Try reading your own. There are questions about what is covered, what is excluded, what limitations are imposed and many other sections.
What is Insurance Bad Faith?
Whether you have been in an accident, had your home hit by a tornado, or have become disabled, you are likely to be in a highly stressful period of your life. Insurance should help relieve that stress, not increase it.
Why Hire an Attorney?
Your insurance policy is a very complex document. An attorney can help you understand whether you should be covered under the circumstances. A great rule of thumb is “If I think I need an attorney, I probably do.”
How do You Pay for an Attorney?
Every law firm and every case is different. Most attorneys are paid by the hour, by the project or on a contingency fee, and the vast majority of insurance cases are handled on a contingency basis.
The Litigation Process
If a claim cannot be resolved by negotiations with the insurance company, a lawsuit may be your only option. Many people have no idea what to expect, and that’s where we come in.
Discovery Responses
A key part of litigation is written discovery. Attorneys from both sides will serve the other with documents asking for information about the case that only the other side has.
The Deposition
If a case is not resolved early in the litigation process, there is a very high likelihood that the plaintiff will be deposed by the insurance company’s attorney. A deposition can be a very challenging experience but having a good idea of what to expect makes the process far easier.
Mediation
A mediation is one type of alternative dispute resolution involving the employment of a neutral party. That means it gives you a chance to resolve your case without a trial, on your own terms.
give us a call
If you don’t know what to do or you’re unsure if you have a case, just call. We are here to help you navigate the complex world of insurance claims.
Does not create attorney-client relationship, for informational purposes only.