Navigating Insurance Claims: Know Your Legal Rights

Being injured is difficult enough without having to fight your insurance company to get the compensation you deserve. But since insurers can’t make money when they pay too many settlements, adjusters find ways to delay or deny claims as often as they can. Understanding your rights and working with a qualified East Hartford, CT insurance lawyer can help.

Your Rights When Filing an Insurance Claim 

When you become a policyholder, you and your insurance provider enter into a contractual agreement that each of you must abide by. Your primary responsibility is to make payments and report claims in a timely manner. Your insurance carrier, on the other hand, must abide by several claim handling regulations that are designed to protect you from bad faith practices.

When you file an insurance claim in the state of Connecticut, you have the right to:

A Fair and Timely Investigation of Your Claim 

Your insurance carrier is obligated to act in good faith and treat you fairly when investigating your claim. You are entitled to a neutral examination of your case without delay, and your insurer must make an impartial decision based on evidence that has been provided.

An Unbiased Assessment of At-Fault Parties 

You also have the right to an objective evaluation of who may be responsible for your injuries. Your insurance company cannot decide to avoid paying your claim without first carefully considering the facts of your case and finding compelling evidence to prove you are at fault.

Accurate Representation of Your Insurance Coverage 

Your insurance company may not misrepresent your policy or coverage in an effort to confuse you or discourage you from filing a claim. If you call with questions, your carrier must answer them truthfully and provide you with accurate information about your policy and the company’s claims process.

A Legitimate Reason for Denial 

If your claim is denied, your insurance carrier is required to provide you with a valid reason in writing. This is called a denial letter and must state how the company arrived at their decision. If you don’t automatically receive a letter either denying or accepting your claim, it’s important to contact your insurer to request it.  

A Reasonable Settlement Offer 

If your claim is accepted, your insurer must provide you with a fair settlement offer. If the amount is too low, you have the right to submit a counteroffer or ask the company to provide an itemized breakdown of what you are being compensated for.

Prompt Payment of Your Settlement Agreement 

If your settlement is accepted or a judge orders your insurance company to pay, you are entitled to receive these funds in a reasonable amount of time.

What to Look For In an East Hartford, CT Insurance Lawyer 

• Decades of experience 
• Large-firm expertise 
• Personalized service 
• Industry awards and recognition 
• Community involvement

After an accident, don’t hesitate to take the first step to protect your rights by reaching out to an experienced insurance and personal injury attorney. Contact us at Adler Law Group, LLC in East Hartford, CT today for a consultation to discuss your case details. 

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