This is a difficult question to answer without knowing more about your situation. In general, you should talk to a lawyer if your insurance company refuses to pay a claim that you believe it should pay under your policy. Your rights pertaining to your insurance company are going to be governed by the wording of your insurance policy. Since an insurance policy is actually a contract between you and the insurance company, many times the law of contracts will control whether you have a case. In addition, insurance companies are bound by certain duties and responsibilities to their customers because of the nature of the insurance relationship. These rights are largely the result of a long history of judicial decisions. Therefore, it is important to consult with a lawyer about your legal rights against your own insurance company.
We are happy to spend time with you to discuss your situation and determine what the best course of action is. We will need you to bring us a copy of any documents that have ever been issued to you by your insurance company so that we can review. Whichever law firm you choose, it is important that you select a lawyer who has experience handling matters against insurance companies.