Insurance companies often deny legitimate claims or engage in other bad faith tactics like delaying the investigation. If you have a been a victim of insurance company bad faith or are struggling to obtain fair compensation from an insurance company, you should strongly consider hiring an experienced attorney to represent you.
What I most appreciated was how informative every step was. I always knew what was going on and what to expect...
- K. Cowick
At Jay Trucks and Associates, we provide our services on contingency, meaning we do not get paid unless you do. The initial consultation is free and there are no upfront fees if you hire us.
Over more than three decades, the attorneys at our firm have recovered millions in compensation on behalf of our clients. We have negotiated with insurance companies many times and know the tactics they often use to try to avoid paying fair compensation to policyholders. Some of our recoveries include a $500,000 policy-limit recovery for the victim of an automobile accident and also a $300,000 recovery against State Farm where the policy was $100,000.
For more information on how a Grand Rapids insurance claim lawyer may be able to assist you, call our firm today:.
Free Consultation. (800) 762-8623
Will We Be Able to Help You?
This is something you can discuss in a free consultation with a one of our licensed attorneys. We need to discuss the details of your insurance claim and the losses you suffered to determine if we may be able to represent you and work to secure compensation.
There are a variety of questions we may have for you that will help us see if you may be owed compensation under the terms of your insurance policy:
- What reason did the insurance company give for denying your claim?
- Were there delays in the investigation or processing of your claim?
- How much compensation has been offered by the insurance company?
- Did the insurance company misrepresent the terms of your policy?
- Do you have records showing you paid your premiums on time?
We understand how damaging a claim denial or bad faith settlement tactics can be financially for policyholders. Our goal is to hold the insurance company accountable to the terms of your insurance policy and recover the compensation you need to mitigate your losses and work to get back into the position you were in before your losses occurred.
No Upfront Fees. (800) 762-8623
Forms of Insurance Coverage
Our Grand Rapids insurance claim attorneys are prepared to assist Michigan residents with many types of insurance claims, including those involving the following forms of insurance:
Home insurance is meant to provide compensation if your home suffers structural damage, such as from a weather event like a thunderstorm or high winds. Home insurance may also provide compensation for problems caused by appliances (stoves, washer, dryer, air conditioning, etc.) or pipes or electrical wiring.
You may also be able to obtain compensation if personal property is damaged – renter’s insurance provides similar coverage for renters. Examples of personal property that may be covered by a homeowner’s policy include:
- Mobile devices
Damages from injuries and burglaries on your property may also be covered.
When renters or homeowners file claims they are often denied, and insurance companies say the claim is not covered because of an exclusion in the policy or something else in the fine print.
Families purchase life insurance to provide compensation after the unexpected death of a loved one, often one of the primary earners in the household. Life insurance policies may provide compensation for funeral and burial expenses along with the lost income the deceased would have earned.
One of the problems beneficiaries often run into when they file claims is the insurance company claims their loved one’s death is not covered by the policy for some reason. Life insurers may even make changes to a policy without letting the policyholder know about it.
After an accident, drivers often look to insurance policies to provide compensation for medical expenses and damage to their vehicles. Unfortunately, crash victims often struggle to obtain fair compensation, as insurers claim drivers were suffering from a pre-existing condition, they were at fault for the crash, or their injuries are not as severe as they claim. However, there are many other reasons car insurers give for denying claims or offering less-than-fair compensation.
Jay Trucks and Associates has dealt with many car insurance companies over more than three decades and secured compensation for numerous clients.
This is meant to provide compensation if you suddenly become temporarily or permanently disabled. This compensation can be used for medical treatment that may not be covered by health insurance and to pay for modifications you need to make to your home to accommodate your disability, such as installing grab bars or widening hallways so you can get through them in a wheelchair or power chair.
Long-Term Care Insurance
These policies are often bought by the elderly to pay for them to receive care in a nursing home. These policies pay for the costs of daily help with activities like getting dressed, eating, bathing, toileting and walking.
Long-term care insurance policies may also be purchased to cover care for those with chronic or debilitating physical or mental conditions that severely limit your ability to care for yourself.
People are often shocked to receive bills weeks or months after receiving medical treatment. They discover their insurance policy did not cover a large part of the expense of their treatment.
When they contact the insurance company, they may be told the procedure was experimental or not covered for some other reason. The insurance company may claim the policyholder missed a premium payment.
Filing a claim dispute can be a tedious process and policyholders may be unsure about their rights and when insurance companies should cover a form of treatment under the terms of the policy in question.
Reasons Claims Are Often Denied
There are a variety of reasons why your claim may be denied by the insurance company, such as:
- Non-payment of premium
- Late payment of premium
- Pre-existing injury or medical condition
- Missed the claim-filing deadline
- Policyholder is the one at fault
- Failed to take steps to mitigate damages, such as seeking medical treatment or protecting a damaged part of your home
- Damages are excluded from coverage
- Deductible costs more than your losses
Sometimes these are legitimate reasons and other times they are not. It is important to consult a Grand Rapids insurance claim lawyer to determine whether the insurance company wrongfully denied your claim. The initial consultation is free and there is no obligation to hire our firm if we validate your claim.
Submit our Case Evaluation form to learn more.
Bad Faith Tactics
Bad faith means an insurance company failed to take appropriate steps to attempt to process an insurance claim, such as doing a thorough and prompt investigation or making a decision on the claim in a reasonable amount of time.
While Michigan law does not specifically prohibit bad faith tactics by insurance companies, a decision by the state Supreme Court helped to define bad faith: reckless, indifferent, intentional or arbitrary actions or total disregard for the policyholder.
If you think you were a victim of bad faith, feel free to call our firm today to set up your free consultation. No upfront fees.
Protecting Your Claim and Your Rights
Be careful when shopping for insurance. You should read the policy carefully, so you know what is covered and what your responsibilities are when it comes to filing a claim. You need to know what you are getting when you purchase a policy. Feel free to question the insurance company so you can get clarification on anything you do not understand.
Always make sure to file a claim as soon as you can to avoid missing a deadline or giving the insurance company reason to suspect your claim is illegitimate. Make sure to track your expenses and be careful about any statements you make to the insurance adjuster. Insurance companies are trained to look for things they can use against you and may even try to trick you into saying things that may damage your claim.
Call a Grand Rapids Insurance Claim Attorney for a Free Consultation
Insurance companies would prefer policyholders not hire attorneys because they know people represented by attorneys are often more likely to recover fair compensation for their losses.
That is why policyholders who are struggling to obtain insurance compensation or have had their claims unfairly denied should give serious thought to hiring an experienced attorney with a track record of success.
Our Grand Rapids insurance claim attorneys have extensive knowledge of the tactics used by insurance companies and how to protect the value of our clients’ claims. For more than 30 years, we have been advocating for the rights of Michigan residents and have obtained more than $500 million in compensation.
Your initial consultation is 100 percent free of charge and comes with no obligation to hire our firm. We work on contingency – we are not paid unless you get paid.
Have questions about your claim? Call anytime day or night and a representative of our firm can help you set up a free consultation. (800) 762-8623.
Jay Trucks & Associates. No Upfront Fees.