Once you have submitted your claim, the next crucial step is to understand that there will be a claim evaluation process. We will help you understand the significance of the claim evaluation stage and emphasize the importance of promptly providing requested documentation or information to avoid unnecessary delays.

The Claim Evaluation Process:

After submitting your claim, the evaluation process begins. During this stage, your claim will be carefully assessed to determine its eligibility for coverage.

Why am I being asked for documentation:

During the evaluation process, it is common for the legal insurance to request additional documentation or information related to your claim. This may include evidence, letters, emails, or any other relevant supporting materials. It is crucial to understand that these requests are made to gather all the necessary details to determine if your legal matter is covered by your legal insurance policy.

Promptly Responding to Requests:

To avoid any unnecessary delays, it is essential to provide the requested documentation or information as soon as possible. Remember, numerous claims are being evaluated so it may take some time to evaluate your request in order that the claim was received.

What if my claim was approved but only initially for the first consultation with an external lawyer:

After receiving this confirmation, it is crucial to make informed decisions and fully understand your rights and legal options. An initial consultation with an external attorney (different from your initial phone consultation) allows you to gain a comprehensive understanding of your legal matter, potential challenges, and the best strategies for achieving a favorable outcome. Please note that it will be your obligation to hire a lawyer who will accept you as a client as we do not carry out this duty. We can only recommend a lawyer for you to contact. You will also be required to have your lawyer provide any relevant documents and a short message outlining the planned course of action if requested. Please note that any further action will require you to pay the out-of-pocket deductible as stated in your contract in order for the risk carrier to cover any lawyer or court cost per the Terms and Conditions of your legal insurance policy. If your claim can be solved below €250- no deductible has to be paid.

My claim was denied:

The most common reasons for claim denials are that the claim is pre-existing or pre-contractual, the original cause of your legal issue occurred during the contract's exclusion period, or it is not covered by the insurance owing to its exclusions or limits (such as immigration or visa matters). This all can be disheartening, which is why it is essential to understand that the legal insurance policy can not assist in these circumstances. So if you are already aware that you might have a legal issue- it is too late to take out the policy to help you with the case. However, the phone consultations requested through your Feather account can always help you get simple advice from a lawyer to better help you understand your situation.