Insurance policies are confusing and filled with many loopholes that can keep you from getting all the benefits you are due. If you need help collecting the benefits you're entitled to, you should have an attorney review your policy. Sometimes, a quick review of the policy is all an attorney needs to do to determine whether coverage applies to your loss and whether or not the insurer has committed bad faith by not covering your claim. If necessary, a case can be brought to court to have a judge determine if your claim is covered under your policy.