If your insurance company refuses to pay on a claim that they have to pay or they’re required to pay under the law, sometimes you have to sue them. You can bring a lawsuit directly against your insurance company to force them to pay the benefits that they’re required to pay. You, as a policyholder, have paid premiums for the event that something bad happens. When the insurance company refuses to pay when they owe on a claim, it’s considered a bad faith insurance practice. You need to have an attorney that is experienced in bringing lawsuits against insurance companies.