Insurance Attorneys Insurance Attorneys
   

Steven B. Pollack, attorney

Why Hire an Insurance Lawyer?

 

There are many types of insurance policies including homeowners, disability and life insurance where your insurer will investigate your claim before making any benefit payment to you. With a properly submitted insurance claim you are entitled to the proceeds held by your insurance company. Mistakes made in the process of submitting your insurance claim, or providing wrong information to the investigating insurer, are costly and can lead to denial or underpayment of your claim. As one of the few attorneys in Illinois focusing on representing insurance policyholders, I can help  you in making your insurance claim – and significantly increase the likelihood of full recovery of the money that is owed under the policy.

I have been handling insurance claims for many years and know the system – from the initial loss event through, if needed, representation in the courtroom for a denied claim. It is this full service that ensures that your insurer does not deny your claim in breach of your policy. I hold the insurer to its obligations over the entire course of the insurance claim. By representing you early in the process I learn all the facts surrounding your loss.  I am then able to quickly shift to filing suit in the event of a denied or underpaid claim.

But what are the advantages of hiring insurance lawyers for insurance claims? Here is a brief list…

* Unlike a public adjuster, insurance lawyers have the specific knowledge of the legal system that is required to get you full recovery. This means that an insurance lawyer is capable of obtaining more money from the insurance companies through a combination of contract interpretation, case law research, and legal experience. Unlike a public adjuster, an insurance lawyer can fight insurance claims all the way through to the courtroom. I have an excellent track record in this area and am proud to be known as one of the few Illinois attorneys with a legal practice focusing almost exclusively on insurance contracts. Remember, your claim affects their profits.

* I have experienced the loss you are feeling and the sense of vulnerability you have towards the insurance company. Our family had a fire January 8, 2000 and I had to fight to get my own insurance claim paid. My insurer, a well-known company, did not act honorably and in fact acted in bad faith according to the terms of the insurance policy. This angered me so much that it is one of the reasons I decided to become an insurance lawyer, to help others correct the imbalance of power between the policyholder and insurance company.

* When retained early in the process my fee is usually 12% and contingent on the claim being successful. This means that should your claim be denied I would not earn a fee until we recover in court. If retained later, after the claim has been denied, then litigation becomes necessary and my fee is generally 33%, contingent upon recovery. Often my contingency fee requires an upfront retainer that is later credited upon recovery. Hiring an insurance lawyer early and avoiding a denied claim is always preferable.

* I will walk with my clients through every single facet of the case, from presentation of a sworn statement in proof of loss, to an event like an examination under oath, all the way through how to address the judge in court if litigation becomes necessary.

When it comes to needing an insurance lawyer for a policyholder claim, I am one of the few who has this narrow focus. And I am a powerful advocate because it upsets me as much as it does you when insurers use bad faith tactics to underpay or deny a claim to a policyholder who was promised to be made whole according to the terms of the policy.

In addition to fire and property damage policies, I also handle various other areas of insurance claims.

Some of the other types of insurance law that I handle include:

  • Private disability policies
  • Life insurance policies

While there are different facets of insurance, they all deal with essentially the same principles. That is why my focus as an insurance lawyer is so important – I understand the ins and outs of the insurance claims process.

 

*Disclaimer: We are not creating an attorney/client relationship by you submitting any initial information. This relationship will only arise through an engagement letter signed by both of us.

   

 


© 2006-2016 Steven B. Pollack