You are involved in a dispute with a life insurance company, and unfortunately, the situation doesn’t look likely to be resolved any time soon. Talk with a Las Vegas life insurance dispute lawyer. When you do, you may get the legal help you need to settle your case with the insurer.
H&P Law is a Nevada law firm that’s recovered over $100 million for our clients. Allow our Las Vegas bad faith insurance lawyer to evaluate your case. We may be able to prove that a life insurance company should have to compensate you based on a policy’s terms and conditions. Reach out to us for more information.
Don’t Wait to Get Help with Your Las Vegas Life Insurance Dispute Case
Just because a life insurance company disputes or denies your claim doesn’t mean that you have no options for taking legal action. Speak with a Las Vegas personal injury lawyer, as they can give your case the attention it deserves. In your situation, your lawyer can provide FAQs and explain your legal options in depth.
Your lawyer wants you to get case results that align with your expectations. Thus, if a life insurer does things to disrupt your compensation request, your lawyer is prepared to fight back. As part of your lawyer’s efforts, they will thoroughly investigate your claim. If warranted, they will help you assert a bad-faith claim or file a lawsuit against the insurer.
H&P Law has earned many positive client testimonials. Let our attorneys help you with your case against a life insurance carrier that has contested or rejected your claim. We are ready to stand up for you and protect your rights and best interests. To get started, request a free case consultation.
What to Expect in Your Case Against a Life Insurance Provider
Not all life insurance policies are created equal. Your life insurance dispute lawyer in Las Vegas can review a policy with you. If your claim under this policy has been disputed or denied, your attorney will get to the root of the issue.
Your attorney has an understanding of life insurance and the reasons why insurers contest and deny claims. In your case, they will gather medical records and other evidence to help prove to an insurance company why your claim is valid. Beyond that, they will communicate with the insurer on your behalf in hopes of getting the company to provide you with compensation.
In addition, your lawyer remains accessible to you throughout your case. They can answer any questions that you have about how long an insurance company has to investigate a claim and other case topics. Depending on the situation, your lawyer can help you file the paperwork for a bad-faith insurance claim or lawsuit in accordance with Nevada law.
How Much Time You Have to File a Bad-Faith Insurance Lawsuit
The time frame for you to submit a bad-faith insurance lawsuit will depend on the specifics of your situation. Your attorney can provide information about the statute of limitations for your compensation request.
If you want to file a lawsuit under statutory violations such as the Unfair Claims Settlement Practices Act detailed in Nevada Revised Statutes (NRS) 686A.310, you have three years to submit your compensation request. Otherwise, you generally have four years to file a lawsuit based on a breach of contract.
Your bad faith insurance attorney will detail the statute of limitations for filing your lawsuit. Once your compensation request is submitted, your lawyer will advocate for you and look for ways to disprove the life insurance company’s case against you.
What Happens After You Submit a Bad-Faith Insurance Complaint
Your attorney can advise you to file a bad-faith insurance complaint with the Nevada Division of Insurance (DOI). They can give you information about what the complaint process entails and whether this is a viable option for you.
After you file your complaint, the DOI will confirm receipt, investigate it, and forward it to the life insurance company. Usually, an insurance company has a set amount of time to respond to a DOI complaint. This gives an insurer ample time to provide the DOI with information regarding the reasoning behind its actions regarding your claim and evidence to support them.
The DOI will examine information from both you and the life insurance company. If the Division finds that the insurance company acted unreasonably, it may pursue administrative action or encourage the insurer to address the complaint. However, the Division cannot force the insurer to pay the claim.
When to File a Bad Faith Lawsuit
You could sue a life insurance company if the business unreasonably denies a valid claim, offers an unfair payout, or does things to stall an investigation. If you proceed with a bad-faith lawsuit, the life insurance company will be served with documentation relating to it and have a certain amount of time to file an official response or affirmative defense in court.
Discovery will get underway soon after your lawsuit is submitted. At this time, both parties can request documents, emails, and claim files as they try to build their respective cases. Your attorney can depose insurance adjusters and other parties associated with the insurer as they try to collect evidence.
Many bad-faith lawsuits are resolved through mediation or settlement negotiations. If an insurance company proposes a settlement, you can evaluate it with your lawyer before you decide. Of course, if a trial is necessary, your lawyer can argue your case in court and dispute any claims that the life insurance company makes against you.
Trust Our Courtroom-Proven and Client-Praised Las Vegas Life Insurance Dispute Attorneys to Help You with Your Case
Choose a life insurance dispute attorney in Las Vegas from H&P Law to serve as your legal representation. Our lawyers want to simplify the process of asserting a bad-faith life insurance claim or filing a lawsuit against an insurer.
If you want legal guidance and support with your bad-faith insurance case, we’re here for you. To learn more, schedule a free case consultation.
