How can I find a contingency attorney who can help me sue my insurance company?
Question Details: I am a disabled 54-year-old female due to an auto accident 25 years ago. Recently, my auto carrier paid a construction company directly to provide an ADA bathroom which including re-doing my water therapy that I have been in and they have paid for over the past 21 years. The contractor received the money over 1 1/2 years ago from the insurance company directly and quit approximately 2 days later leaving the bathroom gutted and unsafe. Due to the 3 different levels of flooring left in that bathroom and the nature of my disability, I lost balance and fell through open framing causing me to need surgery. The insurance company took responsibility for the bills due to the injuries because I fell in what should have been my ADA compliant bathroom. After, I was unable to get the bathroom done due to numerous violations of that contractor and the insurer's unwillingness to help with the bathroom at that time. My condition progressively started worsening and I now need dwelling modifications or housing that accommodates a wheelchair, as well as therapy. I have been doing everything the insurance company has requested of me since my surgeon and doctors have been letting them know that this is urgently needed and the longer they take the worse I get. It may be harder to get back to a good functioning level due to their delay. This has been going on for several months now. I found a contractor that was willing to do the medical modifications to my home and accept less than 30% down as long as the rest of their standard fee schedule was met. The insurance company has stated that they will only pay a certain amount a year and that if I can't find a contractor to take payments, they can't help me. I tried to explain to them that there is no contracting company willing to accept payments for 10 years for the work that is needed and the corrections that need to be done due to the last contractor they paid directly. They did not care even though there are more than enough funds available on my policy to pay for my medical need for the modifications and still more available to take care of medical requirements for another 15 years afterward. I am on a fixed income and can't afford the modifications required and they know that.
To find an attorney, all you can do is contact lawyers and ask if they will take this case on contingency--you can get lists of lawyers through your state and country bar associations, or simply "Google" them. But you can't make attorneys take a case on contingency, and they will only do so if it is worth their while--that is, their share (generally around 30%) of any amounts won will be large to make it worth their time, worth waiting potentially months or years (until the case is done and any appeals over with), and take the chance of getting nothing at all--since no case is certain, and if you lose, the lawyer will get nothing.
I am a NJ attorney and will not even consider contingency cases where less than $150,000 is at stake--and even a $150k case, I'd only consider if I think it is strong and likely to be resolved sooner rather than later. If you're only talking a few tens of thousands of dollars, you are unlikely to find a lawyer wiling to take this on contingency.