When you buy an insurance policy, the provider probably seems kind and helpful. They may tell you how they want to be there to help you when you need it most or how they enjoy giving you peace of mind.
When you actually file a claim, though, that attitude is long gone. Instead, it always feels like you have to fight against the insurance company. You just want the coverage you’ve been paying for. They want to pay nothing. What happened? Why was there this shift?
The insurance company is just a business
What you need to remember is that the insurance company is, at the end of the day, still just a business. As such, the goal is to increase profits. They can do this in two ways:
- Raising your premiums
- Reducing the payouts on a claim
They may very well do both. But you have to remember that every person who takes on your case is essentially trying to figure out the very minimum amount that they have to pay you under their current level of obligation. They’re not there to help. They’re there to make money. The more they pay you, the less they earn, so it’s always going to feel harder than it should to get what you deserve.
Can you sue your insurance provider?
If the insurance company takes things too far and acts in bad faith or denies a valid claim, you don’t have to accept that kind of treatment. You may very well be able to sue and claim they breached their contract to you and did not fulfill their obligation. You just need to know what steps to take.