When you buy insurance, you expect the insurance company to provide compensation for accidents or other situations covered by the policy. Many policyholders have a rude awakening when they file a claim and it is denied or the insurance company drags its feet in the claims process.
If this has happened to you, our Lansing insurance claims lawyers understand what you are going through. We have helped countless injury and accident victims pursue insurance compensation and know how these companies may attempt to take advantage of vulnerable people who may be unsure of their rights. Over more than 30 years, the trusted attorneys at our firm have recovered more than $500 million in compensation on behalf of our clients.
Your consultation with our attorneys is 100 percent free and comes with no obligations. That means no risk to you. We also work on contingency, which means no money, no fee unless we first achieve compensation for you.
Need help with an insurance claim? Call (800) 762-8623 today.
Can You Help Me with My Claim?
Schedule a free consultation so we can discuss the incident that led you to file an insurance claim and how the insurance company has responded. The purpose of your free consultation is to determine how we may be able to assist you in obtaining compensation you may be owed, under the terms of the insurance policy in question.
Some of the details we may ask about include:
- Compensation offered by the insurance company, and whether the offer was reasonable
- Reasons given by the insurance company for denying your claim
- Delays in processing your claim or receiving payment from the insurance company
- How the insurance company investigated the incident that led to your claim
- Whether the insurance company told you about policy information that may impact your claim
- How long your claim has been in process
If you have any reason to believe the insurance company has treated you unfairly, it is important to discuss the situation with a qualified lawyer who can give you more information about legal options.
The consultation is free and comes with no risk. Jay Trucks and Associates: (800) 762-8623.
Types of Insurance Policies
There are many types of insurance claim issues our Lansing insurance claims attorneys may be able to assist you with. This may include disputes over the following types of insurance policies:
This includes your car insurance policy, the at-fault driver’s insurance policy, and insurance policies that apply to commercial truck accidents.
These policies may provide compensation for medical expenses, lost wages, replacing household services and property damage. However, auto insurance companies handle so many claims that they could not stay in business if they approved each one or offered fair compensation. That is why you must be careful dealing with car insurance companies, even your own, as they will look for any way to deny or devalue your claim.
Homeowner’s or Renter’s Insurance
Your home is one of your most valuable assets, and if it suffers damage, such as in a weather event or because of problems with appliances, pipes, electrical wiring or some other cause, you want to get it fixed right away. For instance, if your roof was damaged in a storm you may be able to obtain compensation for repairs or even replacement of the roof.
Homeowner’s insurance also protects your personal property inside the home, as does renter’s insurance. This may include things like furniture, jewelry, electronics (TVs, computers, mobile devices, etc.), appliances, air conditioning, clothes and other items. Injuries on your property may also be covered.
Unfortunately, homeowners and renters often have a lot of trouble obtaining compensation, much less fair compensation. The insurance companies often cite fine print and other exclusions.
Long-Term Care Insurance
The elderly often purchase these policies to help pay the costs of care not covered by health insurance, such as daily help with everyday activities, like eating, bathing, getting dressed, toileting and walking. Nursing home residents often rely on these policies to pay for daily care. You may also buy this type of policy to cover you if you suffer a chronic or debilitating physical or mental condition that severely impairs your ability to care for yourself independently.
Families face many expenses after the unexpected death of a loved one, such as a wrongful death. This not only includes the cost of a funeral or burial, but the loss of income that was used to cover a mortgage, rent or other living expenses.
Unfortunately, life insurance policies have many exclusions insurance companies may try to exploit to deny you coverage. Life insurance companies have been known to make changes to policies or increase premiums in hopes you will miss a payment and invalidate the policy.
Many people have struggled to obtain coverage for a medical procedure or other form of treatment. Health insurance companies may claim the treatment is experimental or a provider is out of network.
Sometimes it may be necessary to dispute a claim in order to obtain the coverage you should be entitled to under your policy. This is something an attorney may be able to help you with, including gathering evidence and helping you draft letters to the insurance company.
You may have purchased disability insurance to provide a percentage of your income if you end up temporarily or permanently disabled. This coverage may also pay for physical therapy and rehabilitation that is not covered by health insurance. Disability insurance may also provide compensation for the cost to make changes to your home to accommodate your disability.
Why Your Insurance Claim May be Denied
There are many reasons insurance claims are denied. In some cases, insurance companies may be acting in bad faith. However, there are also legitimate reasons that a claim may be denied, such as:
- Your loss or damage is specifically excluded from coverage
- You missed a premium payment, so your policy lapsed
- You are liable for the damages, not the other party you claim is at fault
- You have a pre-existing injury
- Your losses are worth less than your deductible
- You did not file your claim before the stated deadline
- You waited too long to seek treatment
- You did not take proper steps to remedy damage to your home, causing it to become much worse
We may be able to advocate on your behalf with the insurance company to attempt to overturn the denial and pursue compensation. We are also prepared to go to trial if necessary.
If you believe your claim may have been wrongly denied, call our firm today to schedule a free consultation. (800) 762-8623.
Bad Faith Claim Settlement Practices
Unlike many other states, Michigan does not have a specific law prohibiting insurance bad faith tactics. Bad faith refers to a failure to take reasonable steps to resolve an insurance claim, such as conducting an effective investigation, processing the claim in a reasonable amount of time or not misrepresenting the terms of the policy.
Generally, attorneys are limited in their ability to bring a bad faith claim in Michigan. The state’s Supreme Court decision in Kewin v. Massachusetts Life Ins. Co. helped to define insurance bad faith in the state. State law says bad faith is: reckless, indifferent, intentional or arbitrary actions, or it may a total disregard of the interests of the person owed a duty.
Insurance bad faith is an issue we are prepared to discuss with you in a free consultation. (800) 762-8623.
How You Can Help Protect Your Claim
While insurance companies often work against the interests of policyholders, there are steps you can take that may improve your chances of recovering fair compensation.
When you are shopping for insurance, make sure to read policies carefully to understand what is covered, as well as your rights and responsibilities as a policyholder. You can question the insurance company about things you do not understand to learn more. Having this knowledge up front may help you if a loss occurs.
If something happens and you believe it may be covered by your policy, file a claim as soon as possible. Document the incident as best you can. Keep track of all expenses, take reasonable steps to remedy or limit damage to your home, and watch what you say to the insurance company. Avoid admitting fault or making statements that minimize the loss you suffered.
Contact Our Lansing Insurance Claims Lawyers Today
You do not have to battle the insurance company on your own. Hiring an experienced attorney offers many advantages, and insurance companies know that, otherwise they would not actively discourage policyholders from hiring them.
The legal team at Jay Trucks and Associates is here to answer your questions and discuss how we may be able to assist you. Unlike the insurance company, we are focused on your best interests – which includes recovering maximum compensation to help you move forward after suffering an injury, property damage or another loss covered by your insurance policy.
There is no risk in calling our firm and meeting with us. There is no upfront fee for a consultation or hiring our firm. We do not collect payment for our services unless we recover compensation for you first.
Learn more by calling us today. (800) 762-8623 Our firm can be reached anytime, day or night.