Frequently Asked Questions

Understand Your Legal Situation

Our Ventura County legal firm is dedicated to keeping all of our clients informed and empowered. Learn more by reading our answers to some frequently asked questions.

My insurance claim has been denied. Should I pursue legal action?
An answer to this depends on several things. It depends on what your policy says. It depends on what kind of insurance it is and what the case and statutory law is with regard to that type of insurance. It depends on applying your policy and the laws to the facts of your case. Just because a policy says something in black and white may not mean that your claim should not be paid. The insurance company may have the facts wrong. We have training in insurance and the laws pertaining to insurance and can help evaluate the true situation and the insurance company's denial letter.

What kinds of insurance claim disputes can you help me with?

Our legal team is experienced in negotiating and making successful claims with many different types of insurance, including: Accidental Death & Dismemberment (AD&D) Insurance, Auto Insurance, Condo Insurance, Health Insurance, Homeowners Insurance, Inland Marine Insurance, Life Insurance, Long-Term Disability Insurance, Property Insurance, and Uninsured Motorist (UM) and Under-Insured Motorist (UIM) Insurance.

How can a lawyer help me with a claim for long-term disability?
An experienced lawyer can help you in many ways. Our team can help document all of your conditions and your restrictions and limitations. We can help identify the substantial and material duties of your occupation. We can consult with vocational experts. We can obtain and review the claims file and review surveillance and challenge and counter the position of the insurance company or plan. We can help you deal with requests for information and exams. We write excellent appeals. We can represent you in breach of contract and bad faith lawsuits. We can help get your claim considered and paid.

My ERISA claim has been denied. What are my options?
Our team is particularly proud of our success with ERISA appeals. When you obtained your long-term disability coverage through work, ERISA may apply. Our knowledge and experience regarding ERISA law has helped numerous individuals win appeals. Hire us to do your appeal!

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