DENIED INSURANCE CLAIMS (Life, Health, Auto, Storm/Property)
While the practices areas of Personal Injury, Medical Malpractice, Auto Insurance, Worker's Compensation, Homeowner's Insurance, and DWI / Traffic Law may sound like they are very different areas of the law, the reality is that they all involve either potential insurance increases, or outright denial of insurance benefits that you have already paid for and are owed.
If you are a named beneficiary or an insurance policy, the insured person has died or the insured real property has been damaged or destroyed and the insurance company will is denying you your benefits, you should contact an attorney quickly.
Many large insurance companies use tactics actually stated in their operation manuals to avoid paying claims. They will often attempt to DELAY, DECREASE or ULTIMATELY outright DENY your claim.
You only have a limited amount of time to file a lawsuit before your right is forever extinguished. This means that if you allow that time frame to pass before filing a lawsuit in court, the court will prevent you from filing a lawsuit. This time frame is called a Statute of Limitations.
A publicly traded insurance company's mandate is to make money for its shareholders. It can only make more money in two ways. They can take in more premiums, or they can pay fewer claims. Of course, Insurance Companies try to do both. And of course, both methods are diametrically opposed to your interests, that of getting paid what you are owed when you suffer an insured loss.
If the insurance company even bothers to make you an offer at all after you experience a covered loss (as they should), in most cases it will be an offer that might sound appealing at first, but really is not in your best interest.
For example, I have a current client that was rear ended by a another car while she was stopped at a stop sign. Before my client got back from the emergency room the insurance company had already sent an adjuster to look at her car, and then to her house where the adjuster left a written offer to settle all claims (meaning that if you cash that check, you can never ask for more money). That offer was for $300. That might sound like a lot of money, but wait!!! The damages to her car was >$7,000 and her medical bills to date are >$15,000. But, my client is still having neurological problems, is still having headaches, is still having backaches, is unable to perform the same type and amount of work that she was performing prior to the accident. That means her medical bills and her lost wages are going to continue to increase.
While the amounts may differ from case to case, this sort of tactic is typical of insurance companies. They want you to settle your claim for what appears to be a reasonable sum before you know the full extent of your injuries!!! If they make you an offer right after your accident, WAIT!! There is probably a reason they are trying to get you to settle so quickly!
Contact a Lawyer who can properly protect your interests.
If you are a named beneficiary or an insurance policy, the insured person has died or the insured real property has been damaged or destroyed and the insurance company will is denying you your benefits, you should contact an attorney quickly.
Many large insurance companies use tactics actually stated in their operation manuals to avoid paying claims. They will often attempt to DELAY, DECREASE or ULTIMATELY outright DENY your claim.
You only have a limited amount of time to file a lawsuit before your right is forever extinguished. This means that if you allow that time frame to pass before filing a lawsuit in court, the court will prevent you from filing a lawsuit. This time frame is called a Statute of Limitations.
A publicly traded insurance company's mandate is to make money for its shareholders. It can only make more money in two ways. They can take in more premiums, or they can pay fewer claims. Of course, Insurance Companies try to do both. And of course, both methods are diametrically opposed to your interests, that of getting paid what you are owed when you suffer an insured loss.
If the insurance company even bothers to make you an offer at all after you experience a covered loss (as they should), in most cases it will be an offer that might sound appealing at first, but really is not in your best interest.
For example, I have a current client that was rear ended by a another car while she was stopped at a stop sign. Before my client got back from the emergency room the insurance company had already sent an adjuster to look at her car, and then to her house where the adjuster left a written offer to settle all claims (meaning that if you cash that check, you can never ask for more money). That offer was for $300. That might sound like a lot of money, but wait!!! The damages to her car was >$7,000 and her medical bills to date are >$15,000. But, my client is still having neurological problems, is still having headaches, is still having backaches, is unable to perform the same type and amount of work that she was performing prior to the accident. That means her medical bills and her lost wages are going to continue to increase.
While the amounts may differ from case to case, this sort of tactic is typical of insurance companies. They want you to settle your claim for what appears to be a reasonable sum before you know the full extent of your injuries!!! If they make you an offer right after your accident, WAIT!! There is probably a reason they are trying to get you to settle so quickly!
Contact a Lawyer who can properly protect your interests.