Making an Insurance Claim – When Does It Make Sense to Hire a Lawyer?

A fire broke into your home or you’ve been targeted by burglars or you’re suffering the aftermath of calamity, all of these lead to major losses you have to deal with. While your home is fully insured, you’re still worried whether or not your insurance company could give you the compensation equal to what you really need. In case you find yourself in this situation, the best thing to do is knowing your rights. 

While insurance claim is closely similar to a business negotiation, there are certain scenarios wherein you have to fight back to get the coverage you deserve. At this point, one would often ask whether s/he needs to seek the help of an insurance lawyer in Hong Kong (HK). To answer that question, here are some instances when it makes sense to hire an attorney. 

There Are Disagreements on Claims

Right at the beginning of the negotiation there’s been disagreement between you and the adjuster, it might be better to call a lawyer to help you handle the case. Having an insurance attorney can help you get the claim results you deserve. 

Claims Where Fault Is Hard to Establish

Insurance companies are responsible for determining fault right after an incident took place. They must exhaust every available information to find out whether they could release your insurance claim or not. However, in cases where fault cannot be determined, you might need a lawyer to work together with your insurer to get a good deal of coverage. This will ensure you leave no stone left unturned. 

The Claims Are too Expensive & Complex

If your claims are not simple and may involve further interpretations, it’s better to talk to a lawyer who can translate and explain everything to you. Lawyers can help you in reviewing your policy and may provide insights that will guide you on what actions you must take to get the claims you deserve.

Insurance can be a lot to handle, but there are claims that can be done on your own. If you happen to find yourself in any of the above mentioned situations, you might as well consider having a lawyer to represent you.

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