How to File A Lawsuit Against Aflac and Win
American Family Life Assurance Company (Aflac) is a Georgia-based insurance provider that underwrites a wide range of insurance policies. Aflac is known for its payroll deduction insurance coverage, paying cash benefits when a policyholder has an accident or illness that is covered in their plan. The company vehemently suggests that it provides financial protection to more than 50 million people worldwide.
In recent years, Aflac has been criticized for returning fewer dollars to cancer patients covered under cancer insurance than the standard insurance holders, fraud and even failing to pay life insurance to the families of plan holders.
If you’ve incurred damages as a result of your interaction with Aflac, pursuing a claim through Small Claims Court is the way to go. Small Claims Court is a specialized division of the judicial system that deals with claims under $10,000 in most states, allowing individuals to pursue legal action against another party without a lawyer. To find out more about Small Claims and how streamlines this process, see below!
Can You Sue Aflac?
The short answer is yes! The table below outlines reasons why individual consumers choose to sue Aflac.
| Reason | Explanation |
| Discrimination |
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| Unfair Cancer Payoffs |
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| Insurance Violations |
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| Banking Violations |
|
What to Consider Before Suing Aflac?
Before you sue, consider the following. If these details apply to your case, you are likely going to be successful in filing your legal case before a small claims court. If not, it is unlikely your case will go forward.
| Do You Have A Valid Legal Case? | Take a step back, reconsider the details of your case in an objective way
Establish a burden of proof — was a contract broken? Were you injured by this company? Did you lose money as a result of these injuries? |
| Can You Sue This Company? | Establish pre-filing requirements — you will have to prepare hearings and depositions
Figure out the best method of alternative dispute resolution — is small claims the approach you want? |
| Have You Sent An Informal Final Demand? | Send a letter that is typed, with clear contact information
State what happened, the attempts you’ve made for restitution, and what you are willing to accept; should they not comply, state that you will file a lawsuit (in the letter) |
Suing Aflac in Small Claims Court
Below, find the steps on how to sue Aflac in Small Claims Court. Keep in mind that every Small Claims Court varies from state to state and that local regulations are most important when considering the validity and legitimacy of your case.
| Step | Details |
| Send a Demand Letter | First, send a letter detailing the following:
When this is completed, mail it to: Aflac Claims Department 1932 Wynnton Road Columbus, GA 31999 |
| Fill Out Court Forms | Fill out your state-specific paperwork and any additional forms that might be requested by the county in which the incident took place.
Most court forms are free of charge on the court’s website;
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| File A Complaint With The Court |
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| “Serve” Aflac |
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| Go To Court | Show up to relevant court dates, keep track of filed forms and maintain records of evidence to support your claim. |
How to Sue Aflac in Small Claims Court With DoNotPay?
Although it appears simple, suing Aflac on your own might not be the best option, concerning time and money. As a solution to this issue, DoNotPay provides an automated lawsuit generator, with artificial intelligence technology that makes suing concise. All you need to do is:
- Log on to DoNotPay on any web browser and select “Sue Now”
- Enter the dollar amount of your damages incurred by Aflac
- Select whether you’d like to receive a demand letter or court filing forms
- Describe your reason for filing the lawsuit and submit any applicable evidence
That’s all! DoNotPay will generate a demand letter or court filing forms for you, and a copy of your demand letter will even be mailed to Aflac on your behalf!
What Else Can DoNotPay Do?
DoNotPay has a track record of helping people sue anyone and win! Check out some of the big corporations we have helped sue:
- AT&T
- Uber
- Verizon
- Insurance companies
- Airlines
- And so much more!