Under which condition might a claimant be persuaded to file a lawsuit?

A claimant may be persuaded to file a lawsuit primarily when there is a direct claim denial. In situations where a claim has been unequivocally denied by an insurance company, the claimant may feel that their rights are being violated or that they are entitled to compensation that has not been provided. This denial often prompts a claimant to seek legal recourse in order to have the matter resolved, especially if there are substantial grounds to believe that the claim was unjustly denied.

This pathway is pursued to challenge the insurance company's decision, aiming to force a reconsideration of the claim or to obtain compensation through the legal system. Consequently, this scenario sets the stage for litigation, as the claimant seeks to assert their claim and potentially hold the insurer accountable for their obligations under the policy.