More often than not a claim for loss will involve some sort of insurance protection. Automobile, home owners and health care are three of the common types of insurance most individuals deal with on a regular basis. All too often, insurance companies find reasons for not paying a claim that can leave a person confused and frustrated. A common question presented is, “I’ve paid my premium. Why am I not receiving any insurance benefits?” There are laws that prohibit unfair insurance practices. An experienced attorney should be able to identify whether an insurance company’s denial of benefit is legitimate.