If you are in a situation where an insurance company is delaying or denying a legitimate claim, you may be the victim of an insurance dispute. When you are due benefits from your own insurance company your insurer is prohibited from denying your claim without a reasonable basis. Most insurance companies, however, are in business to make profits—not to pay out claims.
Insurance disputes often arise as a result of insurance companies interpreting policies to minimize their required payment. Many times insurance companies will wrongfully deny policyholders benefits to which an individual is entitled. This issue can occur with automobile insurance including liability, uninsured and underinsured coverages. Insurance disputes are also common with homeowners policies and business/commercial policies. If the insurance company has denied a claim please don’t assume they are correct. Heninger Garrison Davis provides the legal counsel and support staff that is absolutely necessary for the client to fully understand his or her rights and obligations under the insurance policy and make the most informed decision. We have a national reputation regarding insurance litigation and interpretation of insurance policies and can assist you in obtaining the money owed under the policy.
If an insurance company refuses to pay your claim, denies payment, or offers you an insufficient amount, we will represent you to reinforce the insurance company’s obligations. You should never have to represent yourself against an insurance company or accept an unfair settlement offer. We have litigated and successfully represented clients in claims against the largest insurance companies in the United States.
Often times an insurance dispute will arise as a result of an insurance agent or insurance broker. These individuals may suggest that a policy purchased by you provided certain types of coverage or certain amounts of coverage and you find out when it is too late that did not have the protection you require. Do you really know the phrase “full coverage” means? We can help in any claim you might have when your insurance agent fails to keep his or her promise.
Popular types of insurance claims:
• Auto insurance
• Home insurance
• Health insurance
• Accident insurance
• Sickness insurance
• Casualty insurance
• Life insurance
• Property insurance
• Liability insurance
At Heninger Garrison Davis, we focus on protecting the rights of harmed and insured persons by aggressively prosecuting insurance claim denials and insurance bad faith cases.
People buy insurance because they want to protect their family, property, possessions, businesses and well being. Unfortunately, insurance companies often have different interests. Insurance companies want to limit the payments they make on claims so profits remain high. When an insurance company improperly limits claim payments, fails to take proper steps to timely settle claims against its insured, wrongfully denies payment, or generally acts in its own best interest rather than its insured, it has violated the intent of the insurance contract.
Insurance contracts, despite their complex language, are a simple concept. In exchange for a payment of money, the insurance company promises to perform by paying benefits in the future when a legitimate claim is made. When insurance companies break that promise, we are ready to help prosecute your claims against the insurance company to get the compensation you deserve.
In some cases an insurance company may engage in what is commonly referred to as “bad faith” or may deny a claim that under state law constitutes a “vexatious refusal” to pay. Unfortunately, a denied insurance claim is becoming a more frequent occurrence whether the stated reasons are non-coverage or underinsurance. Too often, the insurance companies are acting in bad faith. At Heninger Garrison Davis, we understand that insurance companies can and will breach their contracts if not held accountable. Fortunately, we are experienced litigators, willing to bring cases to trial, and have the resources to wage large-scale litigation if that is what it takes to hold insurance companies accountable.