When an insurance company refuses to pay a claim, the recourse the policyholder has depends upon where the claim is in the process. If it is an initial denial and the policy provides for an administrative appeal, working with an insurance attorney can help you both be more successful at this phase and ensure your evidentiary record for trial is as complete as possible. If you have exhausted your administrative appeals with your insurance provider, a lawyer can also represent you in court in a lawsuit against your insurer.