Insurance Disputes

 

If you have been denied insurance coverage, let us evaluate your case to determine whether you have been wrongfully denied coverage or the benefits you deserve. 

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- Insurance Bad Faith

- Property Damage and Personal Injury Claims

- Denial of Social Security and Health Benefits

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Insurance law refers to the legal framework that governs the creation, interpretation, enforcement, and regulation of insurance contracts and the relationships between insurance companies, policyholders, and other parties involved in the insurance industry. It encompasses a range of legal principles, statutes, regulations, and court decisions that shape and guide the insurance industry. Here are some key aspects of insurance law:

1. Insurance Contracts: Insurance law governs the formation and interpretation of insurance contracts, which are agreements between the insurance company (insurer) and the policyholder (insured). It outlines the rights, duties, and obligations of both parties, including the terms and conditions of coverage, premium payment, claims handling, and policy renewal or cancellation.

2. Insurance Regulatory Framework: Insurance is a heavily regulated industry, and insurance law includes statutes and regulations that set standards for insurance companies' operations, licensing, solvency requirements, marketing practices, and consumer protections. Government insurance departments or regulatory bodies oversee compliance with these laws.

3. Insurance Policy Interpretation: Insurance law provides principles for interpreting insurance policies when disputes arise over coverage or policy provisions. Courts consider various factors, such as the plain language of the policy, industry customs and practices, and the reasonable expectations of the insured, to determine the scope and extent of coverage.

4. Duty of Good Faith: Insurance law imposes a duty of good faith and fair dealing on both insurers and insured parties. Insurers are obligated to act in good faith when investigating and processing claims, and insured parties must provide accurate and complete information when applying for coverage. Failure to fulfill these obligations can result in legal consequences, such as a denial of coverage or a claim for bad faith.

5. Claims Handling and Dispute Resolution: Insurance law governs the procedures and requirements for filing and handling insurance claims. It establishes timelines for claim submission, the insurer's duty to investigate claims promptly, and the insured's duty to cooperate in the claims process. Disputes between insurers and insured parties may be resolved through negotiation, mediation, arbitration, or litigation, depending on the terms of the insurance contract and applicable laws.

6. Insurance Liability: Insurance law addresses the legal liability of insurers in cases of wrongful denial of coverage, delay in claim processing, or unfair claims settlement practices. It also deals with the liability of insured parties for non-disclosure or misrepresentation of material facts when applying for insurance.

7. Types of Insurance: Insurance law covers various types of insurance, such as life insurance, health insurance, property and casualty insurance, liability insurance, auto insurance, and more. Each type of insurance may have specific regulations and legal considerations.

Insurance law is complex and can vary between jurisdictions. It is important for insurance companies, policyholders, and legal professionals to understand and navigate the legal framework to ensure compliance, protect rights, and resolve disputes effectively.

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CASE RESULTS*

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Confidential Policy Limits Settlement – Property Damage claim which was unpaid by a homeowner’s insurance carrier. The insurance company denied the claim, but after we got involved they ended up paying the entire policy limits. 

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Confidential Settlement – Property Damage – Water Loss

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Confidential Settlement – Property Damage – Fire Claim

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Confidential Settlement – Property Damage – Vehicle Loss

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$57,000.00 – Property Damage - Hurricane Loss

 

We were able to reach a settlement with our client’s insurance carrier in regards to damages that the carrier failed to pay under its insurance coverage for damages caused by a hurricane. The insurance company’s offer prior to our involvement was $0.

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$50,000.00 – Property Damage - Hurricane Loss

 

We were able to reach a settlement with our client’s insurance carrier in regards to damages that the carrier failed to pay under its insurance coverage for damages caused by a hurricane. The insurance company’s offer prior to our involvement was $0.

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* Disclaimer - Prior case results are for information purposes only and do not guarantee that similar results can be achieved in a case. Each case must be evaluated on its own facts and circumstances.