Was your insurance claim denied?
Insurance should be easy. We pay premiums and if the unexpected occurs, we expect our insurance company will take care of us. Unfortunately, companies will not always stand behind their customers. If you have a homeowners, auto, or business insurance policy and your claim was denied, we may be able to help. If you are being sued in civil court and your insurance company refuses to hire a lawyer to defend you, we may be able to help.
Insurance companies are required to pay the benefits described in their insurance policies but companies do not make it easy for its customers to understand exactly what the policies say. Insurers owe a duty of good faith to every policy holder. When an insurance company acts in bad faith, it must pay not only what is owed under the contract, the company must also pay for any other damages it has caused. We understand how insurance companies handle claims and we know when carriers act in bad faith.
Insurance coverage disputes can arise in many areas, including homeowners, property, auto, business, life, and disability insurance. Generally, these injuries involve an insurance company refusing to pay for some loss. Denial or loss of coverage can pose serious risk to people and businesses who believed they bought coverage against loss but suddenly find themselves dealing with the risk of loss without the help of the insurance they bargained for and counted on.
Insurance companies are in business to make money and sometimes their claim decisions may not always interpret the policy, state, and federal laws to help the customer. Sometimes the company’s refusal to cover a loss is not intentional, but we have the experience to know when a company’s failure to live to its promises is unintentional or just an outright tactic to increase the bottom line.
But there is another side to the coin and that is not every refusal of a claim is bad faith. For example, policies contain certain conditions that customers may be required to follow. Some companies will ask their insured to appear for an examination under oath. If you think that your company is not listening to you or is treating you unfairly, call today! We will listen to your situation and provide you with options you have under Arizona law.