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Suing an Insurance Company: What To Expect?

man asking his lawyer to sue an insurance because of denied claims

It can be stressful when an insurance company denies your claims. Medical bills are often sky-high and can financially cripple your family.

If you are unsure why your insurance provider is denying your claim, you may have grounds to sue. With the assistance of a professional law team, you can garner help suing an insurance company.

The Law Offices of Sadaka Associates proudly serve the New York and New Jersey communities with personal injury cases. We have decades of experience in the legal industry, helping victims fight for compensation from insurance companies.

Why an Insurance Company May Deny Your Claims

Insurance companies have many reasons to deny your claim.

Plan Does Not Cover Treatment

A common reason an insurance provider will deny your claim is if your insurance policy does not cover your treatment or procedure. Policyholders must know the ins and outs of what their plans cover and what they are liable to pay.

Problems With the Application

Another reason why insurance companies may deny your claim is if you made an error when filling out your claim form. Factors such as filling in the wrong amount, putting in the incorrect date, and more, can throw off the claim approval process.

Missed Deadline

There may be a deadline to file your claim. Some insurance providers offer you as little as 24 hours to submit a claim form. If you miss the deadline, you may feel hopeless. However, a lawyer can help you fight for compensation if you make a tiny error on the claim form.

Bad Faith

Bad faith denial refers to any circumstance in which an insurance company denies your claim for vague reasons. Sometimes, these providers do not want to pay your request out of laziness. If you face this situation, you have every right to sue the company.

Situations You Can Sue Your Insurance Company

Insurance companies have a responsibility to their clients to act in good faith and comply with state laws and legislation. When they act irresponsibly, you may file a lawsuit against them.

Here are some reasons that policyholders give when suing an insurance company.


Sometimes, an insurance company takes too long to investigate your claim. If they do, it may prevent you from gaining the money you need to pay off your medical debt. If you fall behind on medical bills due to the negligence of an insurance company, contact our attorneys.

Refusal To Pay

An insurance company may deny a claim despite recognizing liability from the guilty party. If there is sufficient proof that you were not at fault in your car accident or property damage case, you can consult with a personal injury lawyer to build a case.

Denying Without a Valid Reason

As we mentioned above, insurance companies may deny your claim without an adequate reason. If you are unsure why your insurance provider did not accept your claim, you should contact our law offices. An insurance company representative must give a substantial reason for rejecting your claim.

Denying After a Misleading Claim Form

If you make a tiny mistake on your insurance claim, your provider has grounds to deny your application. However, we can help you fight this situation. You should not lose out on compensation for your medical bills due to a typo.

It is worth noting that each state has its own rules and regulations. What one state may consider unlawful, another might let pass. Make sure you research your state’s policies before filing a lawsuit.

Also, consider consulting with an insurance attorney before your provider can deny your claim. With an insurance lawyer representing you in the claim filing process, your health insurance company will be more likely to treat you fairly.

Legal Action Against Insurance Companies

a law suit paper

While each state has its policies, there are a couple of lawsuits that all 50 states grant. For example, if an insurance company breaches its policyholder contract, you are liable to sue.

Similarly, every state allows you to file a bad-faith lawsuit. If you feel your insurance company ignores your application for no reason, you may be entitled to compensation.

Why Hire a Lawyer?

Despite knowing your state’s policies regarding suing your insurance company, hiring an attorney is a vital part of the process. There are many reasons why you should consult with a lawyer.

In-Depth Knowledge of Laws

As each state has its own laws on insurance claims, a lawyer is a valuable asset. These legal professionals have an in-depth knowledge of their state’s rules and regulations. During a consultation meeting, lawyers will let you know if you have a viable case.

Gather Evidence

One of the duties of a personal injury lawyer is to stack substantial evidence against the guilty party. Attorneys can use evidence to show that the insurance company was negligent when dealing with your claim.

Negotiate With Insurance Companies

One of the principal benefits an attorney provides to policyholders is negotiating with insurance companies. Our lawyers know what these companies look for on claim forms, and we leverage our experience to help you navigate them.

Save Money

Contrary to popular belief, hiring a lawyer can save you money. Lawyers allow you to negotiate a fair price for their services. By bargaining with insurance companies, they can help increase your settlement offer — this settlement can help you pay off your medical or property damage debt.

Court Representation

If you cannot settle with your insurance company, the case may go to court. If you do not have an attorney to represent you in the courtroom, the chances are slim that you will win the case. Insurance companies have a lot of money to hire an experienced attorney that you do not want to go against without professional representation.

Tips That Help the Lawsuit Process

You can help your attorneys build a solid case against your insurance company in many ways. Firstly, you must document as much evidence as you can in the claim filing process. Know the submission date on your claim form, statements from the insurance adjuster, and more.

Also, make sure you can remember the incident in detail. If you were in an accident, have a copy of the police report on-hand. The more information our attorneys have, the better chance of defending you successfully.

Pictures are another valuable item to share with your attorney. Photographs can determine who is at fault in your accident. If you have a property damage case, security footage can give us a leg up on your case.

We understand that you have many law firms to choose from for your insurance company lawsuit. However, you require an attorney who has extensive experience dealing with insurance providers.

Our lawyers know how to negotiate with insurance companies, providing you with a sizable chance for a successful case. We will help you build a case and fight for you against the insurance company.


a lawyer trying help a case in insurance claim

Do I Have a Viable Case?

After an accident, one of the first things you should do is call an attorney. Our lawyers will determine the validity of your case. Even if you feel you do not have grounds to sue, you may benefit from having an attorney negotiate a settlement for you.

What Do I Say to an Insurance Adjuster?

Do not say a word to an insurance adjuster. These insurance provider representatives often want you to say something that relieves them of liability. Tell the adjuster to speak with us, and we will take care of it.

Our Process

The first step on your path to a fair settlement offer is to call the front desk of our law office. One of our trusted customer service representatives will schedule a consultation between yourself and one of our experienced attorneys.

At the consultation, we will determine if your case is viable. Note that we do not accept every case that comes across our desk. We only take on lawsuits for which we believe we can build a solid case.

We have to trust you and vice-versa. We will lay out a detailed plan if we think we have a sizable chance of successfully defending you. We are partners and will involve you every step of the way.

Once we agree to take on your case, we will discuss payment arrangements. We try to keep your case moving as quickly as possible, allowing you to return to your daily routine.

Schedule a Consultation Today

While insurance companies are here to help you, they also want to pay you as little as possible. These businesses are looking to make a profit. That is why you should consider hiring a personal injury attorney for your case.

If you require assistance suing an insurance company, call the Law Offices at Sadaka Associates at (800) 810-3457. Our legal team will schedule a consultation meeting to discuss the details of your case.

In addition to the New York and New Jersey communities, we provide legal services to clients throughout the country.



Principal & Founder
This article was written by Mark Sadaka, a seasoned trial lawyer in nationally significant cases. He fearlessly champions clients impacted by fatal or severe injuries caused by others or corporations. Renowned for his expertise in complex litigation, he's featured in books, sought after by media for interviews, and a highly sought speaker. Notably, he exclusively represents individuals facing life-changing injuries or substantial financial losses.

Injured? Get Help Now.

If you’ve been injured by a person, product, or corporation, please contact the team at Sadaka Law today.

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