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. In this event, you may be entitled to compensation for what your insurer owes you.
In exchange for your regular dues, your insurance company is under contract to pay certain claims within a reasonable timeframe. Your insurer is prohibited from denying your claim without a reasonable basis when you are due benefits. They are also prohibited from excessively delaying your payment.
At Heninger Garrison Davis, we focus on protecting the rights of harmed and insured persons by aggressively prosecuting insurance bad faith cases and insurance claim denials.
Call us at 1.800.241.9779 to schedule a free case evaluation and discuss your options for recovering compensation.
Why Seek Legal Action Regarding Insurance Disputes?
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.
At Heninger Garrison Davis, we understand that insurance companies can and will breach their contracts if not held accountable. These companies are often well-resourced and practiced in denying claims. It is rare that they will easily hand over money that they feel they can conserve.
To successfully challenge powerful insurance companies, it is important to have a lawyer with extensive experience in insurance contracts and regulations. We have litigated and successfully represented clients in claims against the largest insurance companies in the United States.
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.
When to Enter an Insurance Claim Dispute
It can be difficult to know when it is appropriate to take legal action against your insurance provider. Maybe you’re not sure how long is reasonable for your insurer to fulfill a claim, or whether the payment you received is a fair amount. This uncertainty is a plus for the insurance company, which will benefit monetarily when a breach of contract goes unchallenged.
Most insurance disputes result from an insurer denying, undervaluing, or delaying a claim. Claim denial is a relatively straightforward sign that you should consult a lawyer about possible legal action. If your insurance provider has denied a claim that you feel is included within your plan, you may be able to challenge the company and receive compensation. Since many insurers place time limits on challenging a denied claim, it is important to act quickly in this event.
The undervaluing and delaying of claims can be harder for victims of insurance bad faith to recognize. Regarding stalled payments, some states require insurers to respond to certain kinds of claims within a specified timeframe. In other states, insurers are subject to vaguer regulations about reasonable timeframes.
If you think that your insurer has unfairly denied, lowballed, or stalled your claim, it is important to speak with a lawyer who is experienced in insurance disputes. An attorney at Heninger Garrison Davis will be able to investigate whether and on what grounds your provider has breached its contract.
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Some insurance claim disputes include:
Failure to defend, failure to pay, undervaluing a fair claim.
Insurance companies have a legal responsibility to act in good faith towards their policyholders. To act in good faith, an insurer must practice fairness, honesty, and demonstrable good intentions with all clients. If an insurance company fails to do this, such as through intentionally blocking a policyholder’s rightful claims, it is acting in bad faith and may be held financially responsible.
Misrepresentations and fraud in insurance.
As mentioned above, insurance companies owe policyholders honesty and transparency. Insurance fraud is a type of bad faith practice that can involve denying valid claims, refusing to cover costs that should be included in a policy, and more. If an insurer has misled a policyholder in a fraudulent and harmful manner, it may be found to owe compensation to that person.
Denial of health and medical claims.
Medical care can be extremely costly, and insurers will often avoid paying what they should following policyholders’ accidents or illnesses. They may delay, deny, or lowball hospital claims and leave injured policyholders with an unmanageable stack of medical bills. If a health insurance provider has failed to respond to claims in a fair, timely, and legal manner, it may owe compensation for what it has cost the policyholder in the aftermath of an accident.
Denial of disability claims.
Costs related to long-term disabilities are usually very high, and insurance companies often work to minimize the amount they pay. This can involve making the claims process very difficult to understand and navigate. Another tactic of these insurers is delaying regular payments for long periods of time, for which they can, unfortunately, not be penalized. However, if a company is shown to have acted with such intentions, it can be held financially responsible for the payments it denied or withheld.
Even if you feel you are not ready to file a suit, consult one of our qualified lawyers as soon as possible so that you will know your options. We do not charge any fees upfront. In fact, we will only charge attorney’s fees if we obtain a financial settlement for you. If you don’t win, we won’t get paid a legal fee.