You have insurance to protect you financially against the contingencies of life. If you have been in a car accident recently, you need your insurance company to honor its commitment to you. It is the unfortunate tendency among many insurers to refuse legitimate claims. This is often done in the most irregular, unethical, and illegal way.

You need not resign yourself to financial ruin and setback because your insurance company will not pay the claims that you have submitted in the wake of your accident. It may be better to file a lawsuit against them rather than continue to handle the matter on your own.

Here are 5 of the top benefits of filing a lawsuit after a denied car accident claim:

1. Work with legal professionals

The frustration of dealing with the bureaucracy inside of an insurance company can be overwhelming. The letters they have sent you in response to your claim may be filled with jargon and technical words that are incomprehensible. Putting the matter in the hands of a lawyer who has extensive experience in dealing with such matters will relieve you of this burden, and it will lead to results. Your lawyer will have an understanding of the language and practices of the insurance company. They will be able to advance your case with some efficiency and effectiveness.

2. Avoid delays

Bills have to be paid, and since your accident you have had a great many of them. You cannot wait indefinitely to receive the money from the insurance payout. Filing a lawsuit will help you avoid any further delays in the payment of your claim.

3. Avoid unreasonable offer

Your insurer should pay the money stipulated by the contract. Any attempt to try to give you less than what is owed should be met with a legal challenge. You have kept up on your monthly payments. It is not right for your insurance company to deny you the money you so desperately need.

4. Force an adequate settlement

Although it is never too late to accept a settlement offer from your insurance company, you should not accept the first one they make. Faced with the overwhelming evidence gathered by your legal team, your insurer may decide it is better to make an adequate offer rather than go to trial.

5. Get your day in court

If the denial of your claim has caused a great deal of emotional pain and suffering, you may feel compelled to tell your story to a jury. There is nothing wrong with wanting your day in court. Filing a law suit can help you get one.