However, your policy might also contain (more likely) an arbitration clause, requiring you to submit any dispute to arbitration or (sometimes) a form selection clause, requiring you to submit a dispute in a particular legal forum other than arbitration.
Note: some states do not allow forum selection clauses in insurance contracts, by statute or by case law. However, that will not stop a company from boilerplating it in. so, just because the policy might have the clause does not mean it’s necessarily enforceable.
On the other hand, I get the point that they may just pay the money rather than send it to legal to handle. YMMV.
Note: some states do not allow forum selection clauses in insurance contracts, by statute or by case law. However, that will not stop a company from boilerplating it in. so, just because the policy might have the clause does not mean it’s necessarily enforceable.
On the other hand, I get the point that they may just pay the money rather than send it to legal to handle. YMMV.