Insurance Disputes come in two basic types. The first type is where you
(or members of your family) make a claim against your own insurance company
(for such things as a fire, a burglary, damage to your house, car or other
possessions, or because of an insured death, injury, or illness) and your
own insurance company denies your claim or undervalues it. The second
type is where you need your insurance company to protect you because someone
else is making a claim against you and your own insurance company denies
your tender of the defense, refuses to defend and/or indemnify you, refuses
to settle the case against you and/or "reserves its rights".
In such cases it is important to have knowledgeable legal help early on,
because there certainly may be conflicts of interest between you and your
insurance company. Your insurance company may be invoking an exclusion
that you dispute. It may be claiming that it doesn't have to pay because
your conduct, or the conduct of a family member, was intentional and you
deny that. Given the conflict, they may try to obtain statements, to conduct
exams under oath, or to get documents from you before you have had the
chance to talk with a lawyer about the situation and your rights. They
may try to use the rules about notice and proof of loss and/or the statute
of limitations against you.
We are uniquely suited to help clients in such situations. We have training
in property and casualty insurance contract and experience representing
major insurance companies in coverage disputes. In fact, we have won coverage
disputes for insurance companies, which education, training and experience
we can use to help you: the insured. For over twenty years now, we have
successfully helped insureds recover on their claims and helped protect
insureds when they have been sued by others. You want a lawyer who has
handled declaratory relief, breach of insurance contract and bad faith
cases and who has been approved and acted as CUMIS and independent counsel.
Our office has experience with many different types of insurance, including
AD&D, Auto, CGL, Condo, Disability, Garagekeeper's, Health, Homeowners,
Inland Marine (Cargo), Liability, Life, Property, Title, UM and UIM. Your
first consultation is free of charge, so don't delay. Contact us today!
OUR TEAM CAN HELP YOU BY:
- Reviewing your policy, your claim, their denial and grounds and honestly
evaluating the matter
- Helping you with notice and proof of loss
- Helping document and present your claim
- Representing you at an exam under oath
- Helping you investigate the possibility of appraisal and helping you with
- Tendering your defense
- Representing you in cases of conflict, sometimes at insurance company expense
- Representing you in a mediation, or arbitration
- Preparing and representing you in a lawsuit
In many cases, pursuing your claim without the assistance of an experienced
legal representative can weaken your case. Avoid wasted time.
Contact our office today for your free initial consultation.