Understanding the types of insurance that you have or need is critical in order to reap the maximum benefits of that coverage. If an incident occurs that you have coverage for, you need to know exactly how much damage is covered and what exactly your coverage options are for car and homeowners insurance, life insurance and other valuable aspects of our lives that need to be covered in case of emergencies.
In some cases, you may have a full understanding of your coverage and file a claim that is within the scope of that coverage, but the claim gets rejected by the insurance company for one reason or another. Insurance companies notoriously deny or delay claims on technicalities to avoid paying the policyholder. In this case, you may be eligible for compensation if you contact an attorney to represent your case in court.
Checklist For Insurance Coverage
When reviewing or replacing existing coverage, there are several essential factors to make note of, which will vary depending on the type of coverage you are looking for. Also, some policyholders are under the impression that they have “full coverage,” which is usually not the case. The language used on insurance documents is sometimes difficult for the layperson to understand, and assuming you are fully covered can be a false sense of security after an accident.
When it comes to auto coverage, every driver is required by law to carry Personal Injury Protection, or PIP insurance, which ensures that the driver will be covered in the event that they are at fault for a crash.
Also, in North Carolina, a vehicle inspection is required before registration, so make sure that your car is in proper working condition prior to getting it inspected.
When homeowners are in need of coverage, they should consider the value of the following:
- Additions or remodeling work done to the home
- Areas of the home used for business
- Backup of sewers or drains
- Computer or electronic equipment
- Refrigerated products coverage
- Residents of the household who are not related to you
- …to name a few
If you are considering changes to your life insurance policy, some of the factors to consider are:
- Charitable donations
- Estate tax
- Funeral expenses
- Future college tuition of children
- Mortgage obligations
- …among many others
North Carolina insurance coverage is not a one-size-fits-all package. Instead, every individual and family need to compare coverage options, check on rates from different insurance companies and choose coverage options that work for them.
Have you or a loved one been denied a claim for coverage by your insurance company unjustly? If so, contacting an attorney who is well versed in cases of denied insurance claims will be able to assist you and your family in the North Carolina insurance litigation process, ensuring you the peace of mind you deserve.
Insurance policies are taken out to help safeguard us against life events that can cause serious hardship, injury and anguish. When your insurance provider fails to uphold the guarantee that your insurance policy provides, legal action must be taken to help you regain the compensation you are owed.
Contact Our North Carolina Personal Injury Attorneys Today
In the event that your insurance claim is denied, the talented legal team of Lewis & Keller want to help you or your loved one recover due compensation. With over 150 combined years of legal experience, the lawyers at our firm are well-versed in personal injury law and can skillfully represent you or your loved one to ensure that justice is brought to the responsible parties.
In addition to offices in Winston-Salem and Greensboro, N.C., the talented litigators of Lewis & Keller also proudly serve the following areas:
- Chapel Hill
- High Point
- …and most other surrounding towns in North Carolina.
The compensation that a successful settlement or verdict can bring will allow you and your family to cover the expenses that the insurance company owes to you, and there’s no need to suffer in silence or without competent representation.
To find out how Lewis & Keller can help you understand your rights and bring the responsible parties to justice, call us nationwide at 866-299-1769.
If you would prefer to contact us online, simply fill out and submit the “Free Case Review” form, located on the top, right side of this page. It’s strictly confidential and 100% FREE to send.