Insurance companies love money, especially your money. Whether it is automobile insurance, homeowner’s insurance, disability insurance, life insurance, or commercial insurance, they absolutely love it when you pay them money for premiums, and they absolutely hate it when you make a claim that might require them to pay any of that money back out. Making money and hanging onto that money is their business. They know every trick of the trade and every game that can be played in order to refuse payment on a claim. Unfortunately, this results in the victim – i.e., you – being deprived of a contractual benefit which you paid them to guarantee. The only way to thwart the insurance companies’ manipulation of this process is to ensure that you are represented by someone who has the experience and resolve necessary to fight for you, not to protect the insurance companies’ balance sheet.
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