Companies that exist in the entertainment industry are protected from insurance companies. In numerous instances, you will come across the need to contact the insurance company and request a claim. In such a situation, you shouldn’t go through the process on your own. Instead, you need to contact a California entertainment lawyer and move forward.
- Contact your insurance company
You can initially get in touch with the insurance company and ask for information. You are encouraged to do this through the California entertainment lawyer. If the claim gets approved, you can go forward with it and there is nothing to be worried about. However, there are instances where the claim can get denied.
You can simply ask why the insurance claim was denied. Then you need to ask the insurance company to provide that to you in writing. You need to keep contacting as the last option. In case if you don’t get a positive response from the insurance company, you will be able to proceed with the next steps.
- Obtain a copy of the insurance policy
Secondly, you should obtain a copy of your insurance policy. It is better if you can obtain a signed copy of the insurance policy. That’s because you need to present that and then prove the fact that your insurance company acted against the policy that you both have agreed upon. When you get a signed copy of the insurance policy, you will be having a good piece of evidence to present to the court. You should have a copy of the insurance policy along with you because you are getting it at the time of signing up for the insurance policy. In case if you don’t have a copy, you shouldn’t worry about anything. That’s because you can simply request the insurance company to provide you with a new signed copy. The insurance company will go ahead and provide it to you upon your request.
- Read the insurance policy carefully
You must carefully read the insurance policy before you proceed with contacting it. That’s because you need to check and confirm that the insurance company is right with the decision that it took to deny your insurance claim. There are terms and conditions mentioned in the insurance policy. You must carefully go through those terms and conditions. Then you can check and confirm whether you have broken any of the terms and conditions that were set up by the insurance company. You need to make sure that you have a solid understanding of the insurance policy. Then you can make sure that you are not contacting the insurance company for a faulty reason. When you go through the insurance policy and if you are confident about the fact that the insurance company is wrong, you can file a lawsuit and sue the company.
- Ensure that your loss is covered under the insurance policy
It is also essential for you to make sure that the specific loss that you go through is covered under the terms found in the insurance contract. In general, the insurance contracts are specific. In other words, you can specifically understand what is covered and what is not covered. When you are going through the policy, you will be able to assess the loss that you have gone through as well. Then you will be able to determine if your loss is covered by terms specified in the insurance policy or not. If you notice that your loss is protected by terms in the insurance policy, you have the right to go ahead and sue the company.
- Get an estimate of the loss that you have incurred
Now you are ready to go ahead with contacting the insurance company for denying coverage. This is where you should obtain an estimate for your loss. You can prepare this estimate on your own. However, you should obtain supporting documents from the appropriate third-party entities. In other words, you should get in touch with those third-party entities and get hold of receipts, bills, records, and even photographs, which can support the estimate. The California entertainment lawyer will offer all the support that you need here.
Even if you have spoken to your insurance company about this matter via email, your email conversation history can also be taken as an excellent supportive document. Therefore, you should go ahead and obtain it. These documents can provide pieces of evidence to help you with getting the claim that you need.
- Do research about insurance laws that exist within your state
The laws related to insurance change from one state to another. Therefore, you need to do a bit of research and get to know about the exact insurance-related laws that exist in your state as well. You need to have a comprehensive understanding of the laws related to insurance in your state before you proceed with contacting the company. You will be able to discover plenty of resources online, which can help you to get a better understanding of the insurance laws that exist within the state. Then you will be able to go through those laws and get the information you want.
- File the claim with the department of insurance in your state
In order to sue your company, you should file a claim against your insurance company at the department of insurance in your state. The California entertainment lawyer will be there by your side while doing this. When you file your claim, you will need to provide supportive documents as well. That’s because supportive documents are in a position to provide great overall assistance with obtaining your claim. You should provide those supportive documents promptly as well.
Before you file the claim, it is better if you can go through the website of your state’s department of insurance for one time. Then you will come across all the resources, which can help you to get a better overall understanding of the insurance laws that exist within the state. This can help you with filing the claim as well.
You should also keep in mind that the department of insurance in your state is receiving such a large number of claims on a daily basis. Therefore, you will not be able to expect an immediate response. You will have to wait for a considerable amount of time before you can get a response. As you can see, the entertainment lawyer can provide great assistance to you in numerous instances and you should never ignore the support offered.