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Hello, I'm researching your answer now.
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This is a quite common scenario when dealing with insurance companies. They are trying to mitigate whatever they have to pay out, and the claimant is attempting to recover the maximum amount.
Not as were speaking, but it will be in a public forum at some point.
Considering the amount of money that is involved, you may even want to consider hiring a were to negotiate with the insurance company.
Considering the amount of the claim, they're going to try and limit their liability to the utmost.
Did you mean *lawyer
If you try to negotiate this on your own, I'm willing to bet you're going to get the runaround.
Ok, do you have any actual insight on my question?
Not to mention, they will try and interpret your coverage contract in their best interest every time.
It comes down to dollars and cents. And the language of the coverage contract which can be manipulated by anyone with legal training.
Under your circumstances, I think you got a strong argument.
Ok. Thank you.
But realistically, you are unrepresented, and they have lawyers to help interpret and write their contracts to mitigate their payout.
If you try to do this on your own, I'm not sure how far you will get. If the possibility of going to court is presented to them, even by hiring a lawyer to negotiate your side of the story, they will have more of an incentive to settle as opposed to having a long drawnout legal battle.
If I were you, I would hire a lawyer to help negotiate a settlement so they know you're willing to fight for your claim and not just accept their interpretation of the contract and how they wish to settle your claim.
I hope this helps, let me know if you need anything else. Please remember to accept if this information is useful so I can get credit for my work.