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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:

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:

Auto Insurance

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.

Life Insurance

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.

Health Insurance

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.

Disability Insurance

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.

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. Ph: (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. Phone: (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:

Homeowner’s/Renter’s 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:

  • TVs
  • Laptops
  • Mobile devices
  • Jewelry
  • Furniture
  • Clothes

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.

Life Insurance

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.

Car Insurance

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.

Disability Insurance

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 powerchair.

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.

Health Insurance

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.

Phone: (800) 762-8623. You can also complete a Free Case Evaluation form.

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.

People pay for insurance to ensure they are protected in case a serious injury or property damage occurs. However, as insurance companies are working for shareholders, they often try to find ways to lower the value of your claim, delay payments or deny it altogether. If you are having problems recovering compensation from your insurance company, consider contacting an experienced Flint insurance claims lawyer.

I am very happy with the outcome of my case and the way it was handled…
– S. Jackson

Jay Trucks and Associates has successfully recovered over $500 million in compensation on behalf of our clients. Our goal is to get you the maximum compensation so you have the funds you may need to cover your damages. We have a dedicated team of attorneys with over 150-plus years of legal experience.

Contact us today to schedule a free case evaluation – there is no obligation to hire us to represent you. We charge no fees upfront and we do not collect payment unless we help you recover compensation for your insurance claim.

Free Consultation. Ph: (800) 762-8623.

How Do I Know if I Have a Valid Case?

Recovering from a serious personal injury or dealing with property damage is difficult enough without fighting with your insurance company over a claim. If your claim was denied, delayed, or you were offered far less than your claim may be worth, our attorneys may be able to assist you.

To determine whether we may be able to help, we need to consider various factors, which may include:

During your free case evaluation, our legal team may be able to determine if the insurance company is not fulfilling its responsibility to you as a policyholder.

Insurance Claims Disputes We Handle

Disputes arise with many types of insurance claims, including:

Auto Insurance Claims – This type of insurance is used to cover the costs associated with some damages sustained after a car accident. Vehicle owners are required to carry the state-minimum liability coverage. Many of these claims are denied, delayed or devalued. Insurers may claim you are at fault for your accident, or you have a preexisting condition and were not injured in the accident.

Health Insurance Claims – Policyholders often have trouble obtaining coverage for a severe injury or illness or even a test to help doctors diagnose an illness. It is important to know the details of your policy because coverage varies between policies and insurance providers. Insurance companies give a variety of reasons for rejecting claims, such as nonpayment of the premium or claiming a test or surgery is experimental and not covered under the terms of the policy.

Disability Insurance Claims – These insurance claims are filed to assist with medical costs and lost wages caused by a temporary or permanent disability that prevents victims from performing their normal job functions. Victims usually receive a percentage of their income before they became injured. Policyholders may also be able to obtain compensation for home modifications needed because of the disability.

Long-Term Care Insurance Claims – These policies cover chronic medical issues that are often not covered by standard health insurance, such as permanent disabilities or degenerative diseases like Alzheimer’s. This insurance can also be used to cover daily care at a long-term care facility. People who have difficulty performing simple tasks, such as eating, dressing, bathing and managing their finances often use this insurance.

Life Insurance Claims – This type of insurance provides a lump sum payment for surviving family members after the policyholder’s death. Funeral and burial costs are usually covered along with loss of income, if the deceased person was still working to support the family. These policies have a lot of fine print that insurance companies may cite as reasons for not providing coverage. For example, some insurers may deny or devalue the claim if the death was caused by something known to be dangerous, such as smoking.

Homeowners/Renters Insurance Claims – Homeowner’s claims are usually filed when there is structural damage to the home or any personal belongings such as electronics, furniture or clothing are damaged. Renter’s insurance usually only covers personal property in the rented property. This type of coverage can be essential to recover losses from a burglary as well.

Natural Disaster Insurance Claims – This insurance is designed to cover the costs of any damages that may have resulted from natural disasters, such as windstorms, tornadoes and earthquakes. However, it is imperative that you check the details of your policy to learn what may or may not be included. For example, some policies do not cover flood damage because you may have to purchase it separately, especially if you live in a flood zone.

No matter the type of insurance coverage you may have, insurers should honor the details of your policy and process claims in a timely manner. If you are having trouble recovering funds from any of these types of claims, contact a Flint insurance claims attorney from Jay Trucks and Associates. You will not be billed for any of our services unless we help get the compensation you may deserve.

Call Jay Trucks and Associates 24/7.
Ph: (800) 762-8623.

Common Reasons Why Insurance Claims Get Rejected

Insurance companies are constantly looking for any reason to deny a claim or pay out less than fair compensation. Some of the most common reasons insurance companies often cite for a denial or other problem with your claim include:

Sometimes these are legitimate reasons for a denial or devaluation of a claim, but often they are not. The insurance company is just trying to save itself some money by avoiding making a huge payout on a claim.

Bad Faith Tactics

The policyholder and the insurer are both required to act in good faith whenever an insurance claim is filed. Insurers must provide a valid reason for delaying or denying a claim and policyholders should have a legitimate reason for filing the claim. Both sides should handle their responsibilities under the terms of the policy in good faith.

Our Flint insurance claims lawyers have in-depth knowledge of Michigan insurance regulations and federal laws as well, such as the Unfair Claims Settlement Practices Act, which is designed to protect policyholders from unfair insurance practices.

Some bad faith tactics known to occur in the industry include:

  • Delaying payments
  • Devaluing damages in a claim
  • Delaying investigation of a claim
  • Denying compensation without a reasonable investigation
  • Using improper investigation methods
  • False interpretation of an insurance policy
  • Not denying a claim or making a decision on a claim within a reasonable time period

If you have been a victim of any of these tactics, you may be eligible to file a claim against the insurance company.

Disputes with Insurance Companies in Michigan

Michigan’s Department of Insurance and Financial Services (DIFS) handles insurance disputes. This department works to determine if an insurance company followed the law in processing your claim.

Policyholders can file written complaints against insurance companies. These complaints need to include:

  • Name of insurer
  • Name of insurance agent
  • Policy number
  • Claim number
  • Details on conversations and contacts with the insurance company about your claim
  • Documentation that supports your position

A licensed attorney can help you gather the documents you may need to build a strong complaint. DIFS gives insurance companies a certain amount of time to respond to complaints. Once an insurer responds, DIFS will decide what to do and explain your options.

Reach Out to a Flint Insurance Claims Attorney Today

The experienced attorneys at Jay Trucks and Associates know how to accurately determine the value of an insurance claim and hold insurers accountable for damages covered by a victim’s insurance policy.

Our founder, Jay Trucks, is a member of the Michigan Trial Lawyers Association and has focused his practice on personal injury cases since 1979.

Schedule your free consultation with a trusted Flint insurance claims lawyer from Jay Trucks and Associates today. We charge you no legal fees unless we win compensation for your claim.

Call (800) 762-8623 to speak to a qualified insurance claims lawyer today or fill out our free claim review form.

No Upfront Fees. Ph: (800) 762-8623.

When an insurance policy is purchased, policy holders expect the policy to be honored in the event of an injury or property damage. Unfortunately, that is not always the case. Insurance companies will do everything possible to devalue or deny claims, sometimes without a legitimate reason. When this happens, you need an experienced insurance claims attorney by your side to fight for your rights and help you obtain the insurance benefits you are eligible to receive.

Jay Trucks & Associates has recovered millions of dollars in verdicts and settlements for our clients. President and Attorney Todd Trucks has over three decades of legal experience representing victims who have had insurance claims delayed, devalued or denied. He is also a member of the Michigan Association for Justice.

Reach out to our Clare insurance claims attorneys for a free, no-obligation consultation to learn more about the possible legal options available to you. We are prepared to answer all of your questions and represent you throughout the claims process, should you have a case. We offer our services on contingency, so  you owe us nothing upfront and no fees unless we are successful in helping you obtain compensation.

Free Consultation. Ph: (800) 762-8623.

How Do I Know If I Have a Case?

Being involved in an accident that causes an injury or damage to property is often a traumatic experience. However, if you file a claim and your insurance provider pays you far less than your damages are valued at or denies your claim altogether, it can make the situation worse. You may be wondering if you are eligible to pursue a claim against your insurer for acting in bad faith.

Every situation is different. To determine if you may have a case, our legal team needs to get a better understanding of what happened in a free consultation. Several factors will be considered, such as:

Free Consultation. No Obligation. (800) 762-8623.

Types of Insurance Claims Disputes

At Jay Trucks & Associates, we are committed to helping clients settle many different types of insurance claims disputes, including but not limited to:

Car Insurance Claims

Car insurance offers financial protection in the event of an accident. Anyone who owns or drives a vehicle must carry state-minimum liability coverage. This includes bodily injury coverage per person/per accident. If you file a first party claim after a crash, you expect the insurer to cover your costs, up to the policy limits. However, many insurers may reject or delay payment of claims or tell you that the loss is not covered under the scope of your policy.

Homeowners/Renters Insurance Claims

Homeowners/renter insurance policies provide varying levels of coverage and compensation for property damage to your belongings, such as furniture, clothing and electronics, as well as the structure of the home itself. After a break-in, you expect the insurer to pay full value on your claim. Unfortunately, there may be certain limits or exclusions specified in your policy, so it is important to understand what your policy will and will not cover.

Natural Disaster Insurance Claims

This insurance helps protect Michigan residents from damages caused by natural disasters, such as earthquakes, tornadoes, and windstorms. It provides compensation for damages as a result of these events. However, it is important to review your policy to make sure that it covers what you need. For example, if you live in a flood zone, it is important to make sure your policy includes that coverage. Flood insurance may often be separate. Claims disputes with insurers often happen with concern to policy limits and exclusions.

Disability Insurance Claims

Disability insurance helps pay a percentage of your income and covers reasonable and necessary medical expenses when you can no longer work due to a temporary or permanent disability. It can cover paid sick leave, as well as short and long-term disability benefits. This coverage could also help pay for physical therapy not covered by health insurance, including some or most costs to modify a home to accommodate a disability.

Health Insurance Claims

Health insurance helps provide financial protection in the event of a severe accident or illness. Benefits vary, based on your provider and the coverage you selected, but could include emergency services, hospitalization, surgery, medications and imaging tests. Sadly, policyholders often struggle to cover their medical bills as insurers reject claims for one reason or another. For example, a provider may deny coverage for a medical procedure they classify as experimental or elective.

Life Insurance Claims

Life insurance helps pay a lump sum benefit to your beneficiaries after your death. This coverage provides for funeral and burial expenses, loss of income you would have earned if still alive, daily living costs and other similar expenses to provide for your surviving family members. It is vital to review and understand the fine print in these policies since insurers have many vague exclusions to try to reduce their payout on claims. For instance, if you are an outdoor adventure-seeker, you may want to know whether there are any exclusions for deaths caused by dangerous activities, like bungee jumping.

Long-Term Care Insurance Claims

Long-term care provides for care of chronic medical conditions that may not be covered under regular health insurance, such as costs associated with a permanent disorder, like Alzheimer’s. Long-term care services also provides daily assistance within a nursing home or assisted living facility to those who are unable to perform daily tasks, such as bathing, dressing, eating, taking medication and managing money.

Regardless of the claim, insurance companies have an obligation to act in good faith. If you are having issues obtaining compensation from an insurer, contact a qualified Clare insurance claims lawyer from our firm to schedule a free consultation. There is no risk in calling us and no obligation to move forward.

Why Insurance Claims Are Often Denied

Insurance claims are often denied for a variety of reasons. It is important to remember that insurance companies are for profit businesses, and as such, their primary goal is to reduce the amount of money paid on a claim whenever possible. Their best interests will always come first, so they may interpret or manipulate the language in a policy to support delay of a payment, devalue a claim or deny a valid claim altogether. An insurer may allege the following:

If this has happened to you, we encourage you to seek legal representation as soon as possible. Our qualified Clare insurance claim lawyers know how insurers operate and are prepared to communicate and negotiate with the insurance company on your behalf.

Contact our office today by calling (800) 762-8623.

Advantages of Hiring an Insurance Claims Lawyer

Dealing with a devalued or denied claim can be difficult and overwhelming, especially when you expect the insurer to cover your personal injury or property damage. By hiring a licensed lawyer who handles insurance claims disputes, you will have a strong advocate by your side to protect your rights. He or she would be able to investigate your claim thoroughly and help you pursue legal action for your losses.

Our insurance claims lawyers in Clare are knowledgeable, resourceful and well-versed in insurance policies. We know how to determine if an insurer is being deceptive or intentionally using certain wording to keep policyholders from understanding what is actually included in their coverage.

We also have in-depth knowledge of federal and state insurance laws. This includes the Unfair Claims Settlement Practices Act, which protects policyholders from unjust behavior by insurance companies when settling claims. Under Michigan law, certain unfair and deceptive practices committed by an insurer with regards to claims are also protected, such as:

Should you have a case and we represent you, our legal team is prepared to determine if your insurance claim was denied due to bad faith, meaning the insurer acted with intent to defraud or deceive. Allow us the opportunity to explain how the law may apply to your particular circumstances in a free legal consultation.

Resolving Insurance Disputes in Michigan

Insurance disputes in Michigan must be directed to the Department of Insurance and Financial Services (DIFS). The DIFS will determine whether your insurance company has properly followed state insurance law and your policy language in their processing of your claim.

You must file a written complaint with the name of the insurer and/or insurance agent involved in the dispute, include policy and claim numbers, any previous contact details with the insurer or agent regarding your claim as well as copies of documents that supports your dispute.

A reputable Clare insurance claims lawyer is ready to help you gather the necessary documents from the insurance company, such as a list of specific rules or language in the policy that allows them to deny or exclude coverage as well as copies of documents you signed when you first purchased the policy.

Once the dispute has been filed, the DIFS will give the insurance company a certain amount of time to respond and provide all the necessary forms required, such as proof of loss. The DIFS will then respond with their findings and help you to understand your options.

Contact a Clare Insurance Claim Attorney Today

If you believe the insurer has handled your claim unfairly, we recommend speaking with a Clare insurance claim attorney for legal help. Jay Trucks & Associates has represented many clients over the decades, helping them recover more than $500 million in compensation. Our legal team is ready to fight for your rights and best interests to try to seek maximum compensation for your losses.

Schedule a free consultation with no risk or obligation to pursue legal action. You will have no upfront costs, and we only get paid at the end of the legal process if we help you obtain a recovery.

Call (800) 762-8623 or complete our free online form.

The purpose behind insurance policies is to provide you with compensation when something unexpected happens, based on the terms of your coverage. However, many policyholders get a nasty shock when payment for a claim they have good reason to believe should be covered gets unreasonably delayed or outright denied.

I was extremely happy with the way Jay Trucks & Associates handled my case… If I need a lawyer again, I would definitely call Jay Trucks & Associates.
– M.T

At Jay Trucks and Associates, we have advocated for Michigan residents for over 30 years, and we have recovered millions in damages on behalf of these clients including a $500,000 policy limits recovery for a family business owner that was injured in an automobile accident and a $300,000 recovery against State Farm where the policy limit was $100,0000. Our Traverse City insurance dispute lawyers are very familiar with the methods that insurance providers may use to devalue, or completely avoid paying, a valid claim.

We may be able to help, so if you have experienced an insurance delay or denial that you believe is in bad faith or against the terms of your policy, we recommend that you contact our firm for legal help. We offer a free initial legal consultations at no obligation to you. If we find your claim is valid, you pay nothing up front or at all unless we achieve a successful recovery for you.

Free Consultation. Ph: (800) 762-8623.

Do I Have a Valid Insurance Case?

We may be able to help, but to properly assess the merit of your claim, we need to first understand more about your situation. During your free online or in-person claim review, the following information may help us to determine what compensation your insurance company may owe you:

  • When did you file your claim with the insurance company?
  • Did your insurer fully investigate your claim?
  • Have you experienced unreasonable delays from your insurance provider?
  • If your claim has been delayed, what reason did your insurance provider give?
  • Did you receive a settlement offer, but it was much lower than your claim’s value?
  • If your claim was denied, did your insurance company give you a reason?

Insurance companies do not always fairly resolve a valid claim. If you think your claim was not handled according to the terms of your policy, we strongly recommend contacting our experienced insurance dispute lawyers to learn what legal options may be available to you.

Complete our online Case Evaluation Form today: (800) 762-8623

Common Insurance Claims and Disputes

Our knowledgeable Traverse City insurance claims lawyers are prepared to help you with a variety of insurance issues. We handle disputes for these and other types of insurance policies:

Auto Insurance

All drivers who own or operate a vehicle in Michigan must purchase at least the minimum liability coverage required under state law to provide for damages that may include:

  • Property damages
  • Medical expenses
  • Lost wages
  • Household services assistance

Health Insurance

Health insurance provides important protection if you fall ill and need surgery or other forms of medical care. However, insurers often dispute claims and make it harder to get compensated for valid claims by claiming the doctor was out-of-network or the treatment was experimental.

Disability Insurance

This provides benefits for extended sick leave for covered medical events. If you suffer a partial or full disability, this policy is also intended to provide a portion of your income while you are unable to work.

Additional coverage may be provided for costs not covered by your health provider, such as physical or rehabilitation therapy. You may also be able to get compensated if you need to make modifications to your home to assist with managing your disability.

Life Insurance

After the unexpected loss of a loved one, these policies provide help to families for things like funeral and burial expenses, as well as other living expenses.

Homeowner or Rental Insurance Claims

Disasters, such as a falling tree, house fire or flooding can damage not just the exterior of your home, but also your interior belongings, such as your clothing, furniture, jewelry and electronics. In certain circumstances, an incident involving a personal injury may also be covered.

Insurance companies may cause unnecessary delays or try to avoid paying out on these claims by claiming it was an uncovered event.

Long-Term Care Coverage

This provides coverage for the elderly who may need financial assistance if they are living in a nursing home or other long-term care facility, or if they are suffering from a debilitating mental or physical disease, such as Alzheimer’s or arthritis and can no longer fully manage their own care.

Reasons for Insurance Claims Denials

Insurance companies may deny your claim for a valid reason, but if they do, they still must give you an explanation.

Valid reasons for claim denials could include:

  • You missed the claim deadline
  • Your monthly premium was not paid, resulting in a lapse of your policy
  • The loss you are claiming is not covered under your policy
  • Your injury is pre-existing
  • You are responsible for the damages
  • You did not seek medical care for your claim, or you waited too long to see your doctor
  • Your deductible is higher than the value of your reported loss

If your claim was denied, and you believe your claim was handled in bad faith, we encourage you to contact one of our Traverse City insurance dispute lawyers for legal help today. We are prepared to assess whether there may be grounds to overturn your insurance company’s decision and pursue compensation that may be available from your policy.

Are You a Victim of a Bad Faith Claim Practice?

Michigan does not have any laws that specifically define bad faith practices. However, generally speaking, bad faith is what happens when your insurance company fails to take reasonable steps to properly and fairly resolve your insurance claim.

Your insurance company may have handled your claim in bad faith by these and other means:

  • Purposely misinterpreting or misrepresenting policy terms
  • Unreasonably delaying your claim, without notifying you about its progress
  • Failing to promptly and thoroughly investigate your claim
  • Refusing to provide you with a reasonable settlement offer when there is clear liability

While the law limits attorneys’ ability to bring a bad faith claim in Michigan, there are federal and state laws that protect policyholders from these types of deceptive, unjust or unfair practices.

Steps for Protecting Claims Under Your Insurance Policy

It is important to remember that insurance companies will take necessary steps to protect and maintain their profit margin. That is why we recommend that you take the following steps to try to ensure you are getting the coverage you paid for:

  • When shopping for a policy, make sure you read the fine print to understand what is, and is not covered under your policy
  • Ask clarifying questions about any information you do not understand
  • Take notes of any information you were provided by the insurance company
  • After a covered loss, do not delay filing your claim
  • Seek medical treatment immediately if your claim involves an injury
  • Contact an attorney for legal help with communicating with your insurer

Contact Our Traverse City Insurance Dispute Lawyers Today

If you suffered a loss and believe your claim may have been handled unjustly, we are prepared to help.

At Jay Trucks and Associates, we have over 30 years of experience representing clients throughout Michigan. Our proven track record includes more than $500 million recovered on our clients’ behalf.

We charge zero upfront costs, and since your initial claim review is also free, there is no risk to you. If we find your case is valid, you pay us nothing unless we first achieve a recovery for you.

Jay Trucks and Associates. Ph: (800) 762-8623.