Tag: Bad faith insurance lawyers

claim

Why Insurance Companies Are So Reluctant to Pay that Claim

Buying insurance from a company you consider to be reputable is important, especially if you hope to have any claims in the future paid out expediently. And if you have filed a claim with your insurance company recently, chances are you are hoping to hear from them quickly as you must pay medical bills, take care of property that needs to be repaired, or resolve a serious situation where you are being sued or held negligent.

Nothing can be worse than finding out that the insurer you have paid thousands of dollars in premiums to is trying to give you the runaround. And although you may be gravely disappointed, try not to take it personally; after all, if they are being unreasonable with you, most likely that is just how they do business. That may be of little consolation, however, if you have been out of work due to a car or motorcycle crash that resulted in serious injuries and escalation of financial distress after you could not go back to work, or if your home suffered a fire and you have not been able to live there in the interim, or other devastating issues. In most cases where an insurance claim is filed, the policyholder’s finances are affected deeply. You may be extremely worried about your financial future if the insurance company does not come through as you would have expected.

If you suspect bad faith on the part of the insurer when you have filed what you are certain is a valid claim, most likely the insurer is reluctant to pay for one reason: they want to keep their money. And although in many cases, it is obvious they are not doing the right thing, profits, the bottom line, and greed take over. Many red flags may pop up to alert you that something is wrong, beginning with delays that seem to have no explanation. There may be other tactics, however, like investigations that never seem to get underway, or excessive requests for documentation—or even intimidation tactics such as suggesting you should take a lowball offer or you won’t receive anything at all.

If you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm. If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

denial

Understanding Your Options When a Denial Needs to Be Challenged

No matter what type of insurance claim you may have filed, chances are you are hoping to have it settled quickly, and fairly, without any worrying about a denial. And while many cases are open and shut, black and white, and present no trouble at all, all too often, trying to get your settlement paid can be a massive headache. Consumers in the US should not have to live in fear of large corporations like insurance companies when something has gone wrong and their finances are deeply at risk, but sadly, insurers do hold much of the power due to their massive financial resources, with billions of profits pouring into their businesses each year.

For many policyholders, anxiety and panic set in quickly as bills start piling up due to an issue like a car accident due to the negligence of others that may have resulted in serious injuries; or, if you have experienced a huge homeowners claim, you may have nowhere to live during the interim. Insurance companies are aware of their power, however, and they use it to their advantage. And while they do not have your best interest in mind, a skilled bad faith insurance attorney from the Bolender Law Firm will.

You may have been worried from the beginning, after filing a claim and then not getting much response. Most adjusters are very quick to begin calling and asking questions (all of which should be referred to your attorney) so it can be discouraging when a claim is not being followed up on, and there does not seem to be any initial investigation. While delays are concerning, if you have received an outright denial that seems completely unreasonable, you may want to take legal action, but it is critical to understand your options first.

Having all the evidence in hand will be very important to your case, so save all documents and communications with the insurer to pass on to your attorney. Often, the best option is to start by having your insurance lawyer call the insurance company. You may be amazed at how quickly matters are resolved; however, if that does not work, letters may need to be written, reviews may need to be requested—and all the while you may be dealing with repair bills, medical bills, and you could even be healing from an accident while waiting. Do not attempt to go it alone against the insurer, especially if the only recourse is serious legal action requiring you to take the insurer to court for bad faith processes and an unfair denial.

If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

Before Buying that Insurance Policy: Know What to Ask Your Agent

Although you may be excited about making a large purchase such as a car or a home, the dream and the concept of doing so could be much more exciting than the actual process as there are many details to take care of, whether you are buying a piece of property, opening a business, or taking on a new profession. Most of these endeavors require risk protection, in the form of insurance. As a consumer, you may require multiple lines of insurance, but no matter what, you will need to work with an experienced, ethical insurance agent.

While you may have found a suitable agent online or even nailed down all the details without leaving your desk and computer or phone, it is also common to meet an insurance agent through networking with friends and family. Many insurance agents work for the same companies throughout long and profitable careers and have knowledge of the insurance industry and products that can be extremely valuable to you. If you are getting ready to buy one or more insurance policies, know what to ask your prospective agent:

  • Ask what types of coverage they think you need. While you may be aware that you need insurance for your car, home, or business, there are many different facets of insurance, and items that need to be covered. Your insurance agent may shed light on many details you are not aware of.
  • Ask if the agent can help you find the best rates. If a prospective insurance agent does not work for a competitive company, you may find yourself throwing money into an unnecessarily unexpected policy.
  • Understand what the ramifications are of carrying minimum limits. While you may want the cheapest policy, that could get you into trouble later if you must file a claim.
  • Inquire about the claims process. What type of reputation does the company have? Would there ever be a reason to worry about bad faith? Try to avoid problems from the beginning.
  • Are there exclusions or added types of coverage that you should purchase? For instance, will you be covered if there is a bad storm or an earthquake?
  • What happens if you are sued by another party? Your insurance policy should cover you in terms of liability, but it is critical to understand how far those limits will extend.

If you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm. If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

Understanding the Examination Under Oath (EUO)

For most of your adult life, buying insurance has probably been pretty cut and dry, black and white, consisting of the insurer helping you protect your property—and you writing checks in exchange for such services, never expecting to be subjected to something like an examination under oath. This is often the case with car insurance, and even homeowner’s insurance, if you have been lucky enough never to have damage or to have to file a claim. And while no one enjoys making endless payments to protect a risk that in the end never had a claim filed on it, the bottom line is that you never know what could happen. If the worst does occur, it means everything to know that you are dealing with an insurer who will handle a claim expediently and honestly. It also means everything to know you will not lose your property or business or medical care.

If you are concerned that you are running into trouble with an insurer though, it is time to get out the insurance policy and read it from beginning to end, if you have not done so previously— along with making an appointment to meet with a skilled insurance attorney from an office like the Bolender Law Firm.

There can be much more to an insurance policy than you may realize, which is why it is critical to read every word, although realistically that may be a long and boring endeavor. You are protecting yourself in understanding everything the insurance company could ask of you in the event of a claim, along with what provisions they have in place to protect themselves.

If you have been handling a claim on your own, you may be surprised to find that the insurance company has asked you to participate in an examination under oath (EUO). This could seem very intimidating, and the insurance company may be putting you through aggressive motions so that they can get out of paying a claim; however, most insurance policies do outline the possibility of such measures, also making it clear that your claim could be denied if you do not agree.

Unfortunately, the EUO usually emerges as part of the claim process when the insurance company is investing fraud. During the EUO, which can be a formal proceeding, there is usually someone responsible for transcription, recording the process, and all your answers to what intricate legal questions. At this point you need strong legal expertise to guide you, and especially if a large insurance claim is at stake.

If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

 

claim

Am I Going to Have to Fight the Insurance Company to Get My Claim Paid?

The last thing you probably want to deal with is buying insurance or having to deal with a claim either. It is a necessary evil, as most of us are aware though, whether we are dealing with the purchase of a car, a new home, a commercial site, a boat, or other assets. If you own something valuable, insurance gives you the peace of mind in knowing that it is protected in the event of an accident, whether that may be moderate or catastrophic.

No one wants to feel like they are making a deal with the devil in purchasing insurance. This should be an above-board, honest transaction where you choose what lines of insurance you need in working with an insurance agent, purchasing your policy, with an understanding of when premiums are due and how much they cost. If changes are to be made, you should be given notice well ahead of time—not left hanging later after a disaster has occurred and you find there are problems with coverage.

If the time comes to file a claim, you may be under an unfortunate but understandable amount of stress. Your home may have been so damaged that you are forced to live in one small area or move out altogether. You may be without a car. You may be concerned about an incident that occurred at your business, or a potential lawsuit. At this point, the insurance company should be taking care of you. After all the premiums you have probably paid, it is now their job to set your mind at ease, pay your claim quickly, and allow you to get back to your normal way of life. If that does not happen, it is time to hire a skilled bad faith insurance attorney from an office like the Bolender Law Firm.

You may sense trouble from the onset if there is little response to your claim. While adjusters often are quick to begin calling and opening investigations, if that is not happening, chances are you should be worried—and any delays should be well-documented with clear reasoning for any substantial wait. The insurer should be offering you excellent customer service, rather than tasking you for excessive amounts of documentation, insulting you with lowball offers, harassing any witnesses who may have been on the scene at the time your property was damaged or you were injured, and ultimately, seeing to it that you are taken care of expediently.

If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

 

insurance premiums

Insurance Companies Rely on Insurance Premiums to Make Profits

If you filed an insurance claim recently and found the insurer lacking in their timely response, you may be outraged—not to mention disappointed, frustrated, worried, and a whole lot of other not so positive reactions to their behavior; After all, insurance premiums usually do not run cheap, and you may have had to work hard to make your payments in a continual and timely manner.

It could be devastating to invest so much money and trust in a large company and receive nothing in return at the time you need it the most. Homeowner’s insurance is a good example here. If you have paid in your money for homeowners insurance and had to file a claim, it may be imperative that you are paid as quickly as possible because your living arrangements may have become extremely uncomfortable or you may have even had to move out of your home. In the case of a fire, your home could have been rendered completely uninhabitable, or a portion of it may be burned—still making it exceedingly difficult to live in such a situation. If the insurance company does not seem to be paying any attention to your claim, you may be panicking. They may have even issued a denial outright. If ongoing delays or sudden denials are occurring, you should be receiving reasonable explanations.

If you are not getting anywhere with the insurer despite the urgent need to have a claim paid, most likely the issue is unrelated to their financial health. The insurance industry reports billions of dollars in profits every year, and most large companies are in healthy shape, living quite large off from policyholder premiums. That is how they make their money, and giving it away easily is certainly not a habit or their business model. In fact, insurers may make it as hard as possible for you to have your claim paid. And in the case of a claim like a fire at your home, you may even find yourself at the mercy of a fraud investigation unit—causing the panic to set it exponentially.

And while you may have had nothing to do with a fire at your home (it could have burned while you were not even there and had an ‘alibi’) such an investigation may be quite routine for the insurer. If you are concerned that the insurance company is going to try any method possible to get out of paying your claim, it is time to consult with a bad faith insurance attorney.

If you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm. If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

 

insurance adjusters

Insurance Adjusters Asking About Your Medical Condition: Why You Should Not Answer

If an insurance adjuster has just called, you may be somewhat startled by the speed in which they not only procured your phone number, but also how quickly they opened communications and began pelting you with questions. This is not always the most thoughtful way to treat someone who may have just been in a major or even catastrophic car accident, but insurance, as we all know, is about business. Insurance adjusters are heavily invested in protecting their company, and often their own finances too as they may be offered extra bonuses and lucrative compensation for saving their company time and money. This means that they have probably become very skilled at convincing policyholders to take the least amount of money as possible in a settlement, and quickly.

So, don’t be surprised if you get a call even while you may still be in the hospital. It may seem like an intrusion, and the truth is that you do not have to speak to them, then, or ever. This is a job for your car accident attorney, and if you do not have one yet, consult with an experienced injury firm as soon as possible. This could be vital to your case, and your settlement.

Insurance adjusters are very crafty at getting as much information from you as possible and then using whatever they can against you too. And as we often mention, the insurance companies are not your friend, and they did not become billionaires through attempting to win a popularity contest. So, if the insurance adjuster is on the other line and you are flustered or not sure what to do, you may give them some basic facts like your name, policy number, and the date and most elementary facts about your accident.

Insurance adjusters will ask for police records and medical records, and they may ask to tape record any or all conversations. Do not give out any information about your medical condition. Although you may be quite certain you know what is wrong; for example, maybe you have a broken leg. You may be tempted to pass on this seemingly basic fact when you speak to the insurance adjuster but as is common in car accidents, there may be some time before other medical issues emerge.

You could have much more complex health issues or internal damage than you realize, which is why you should not tell the adjuster anything about your health or the current injuries.  In many cases they will try to insinuate that an older injury is what is causing you pain or discomfort, when you are obviously suffering due to a car accident.

If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

insurance company

Why Isn’t the Insurance Company Interested in Investigating My Homeowners Claim?

While all forms of risk protection are important and worth investigating, homeowner’s is one of the most critical types of insurance—and especially if you have a family to house. Home may be where the heart is, but often it is strongly tied to all your worldly possessions and the place where you made so many memories, from first birthday parties to many years of holidays and family milestones. Experiencing major property damage may in some cases feel almost as traumatic as having a physical accident, and you may be almost as uncomfortable if you are facing living in a home that is close to uninhabitable. You may have been displaced also, if the damage was catastrophic—with your life being extremely disrupted.

Most types of accidents and damage claims have a sense of urgency to them, so if the insurer is simply not responding at all, they are sending a clear message that they do not want to deal with you. There is the outside chance that their customer service department is completely disorganized and inept and unable to get to you, but you should be able to figure that out quickly. Continued red flags mean it is time to consult with a bad faith insurance attorney from a firm like the Bolender Law Firm.

If you have ever had a claim that was handled properly before, the adjuster probably contacted you almost right away. It was imperative for you to have all your information ready, an attorney for them to communicate with if necessary, all leading to a streamlined claims payment. So, when you hear crickets it is disturbing. And you may be growing increasingly worried about your financial future if your house has partially burned or been flooded or exposed to other serious issues.  Lack of investigation is often a sign of bad faith practices, along with long delays that seem to occur with no reasonable excuse or are followed by an outright denial. Other issues often include intimidation tactics such as requests for excessive documentation, or a pressing emphasis on how important it is to take a lowball offer.

If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

lowball settlement

Why the Insurance Company Expects You to Take that Lowball Settlement

Insurance companies know their stuff. They don’t churn out billions in profits through sheer luck each year, and they certainly don’t do so by being your friend. Adjusters often receive bonuses for keeping payout and time spent on cases to a minimum, and you can count on one thing: they are all usually very good at their jobs. This is precisely why if you are in a car accident, for example, you do not want to take on fighting the other insurance company by yourself.

Adjusters, unfortunately, may be quick to take advantage of you if you are not prepared. They may begin asking a lot of questions—and because most of us are naturally polite, it is often hard to shut them down—but that is exactly what needs to happen. Your injury attorney should be handling all communications with adjusters. This could be vital to your case, especially as they may begin asking if they can tape record your conversations, have access to medical records, and more. What you say to them, however, is what can make you most vulnerable, and many individuals walk right into such a trap after being assured everything is confidential.

With expert legal assistance, you can avoid many of the pitfalls possible if you have been injured in an accident due to the negligence of others, and have a case. Without any help, adjusters may try different tricks on you such as the delay. This could mean you are left hanging for unreasonable amounts of time as they try to find a reason to deny your claim, whether accusing you of fraud or other shocking reasons to get out of paying. One of the most common techniques on the part of the insurer is the lowball offer. With an attorney on your side, it is likely this would not happen to begin with—but if you are on your own, the adjusters may jump at the chance to give you the lowest offer possible and then also convince you that you should take it because there will not be another one.

Other intimidation tactics may ensue as well, to include asking you for so much accompanying documentation that you will be quickly exhausted and run the other direction, giving up on your case altogether. They may also try to intimidate witnesses. As soon as you begin experiencing any red flags that could indicate bad faith, your case is in peril. An experienced attorney will be able to help you fight the insurance company, along with helping you to understand more about bad faith practices.

If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

 

fraud

Are You Being Accused of Fraud? Why This is So Serious

Purchasing insurance can sometimes be a pleasant experience, in the beginning; in fact, as you get a referral for an insurance agent and begin looking around and getting quotes, you may be impressed with their level of knowledge and guidance. Once you settle on a policy, a check is written, documents are emailed or sent by regular mail and they get put away for safekeeping. And there they stay, until there is a claim. In most cases if there is a claim, the insurer opens an investigation, and hopefully it is open and shut, with your payment being collected easily so you can go about your normal business and get back to your normal life.

There are other instances, however, that spell out trouble from the beginning. Let’s use a homeowner’s insurance claim as an example. This is a good one, because home fires are often an extreme point of contention. It is all too easy for the insurer to bring up the word arson and suddenly drum up a fraud investigation team that may scare the dickens out you. Obviously, no one feels comfortable being accused of fraud, and especially if there is the potential of going to jail too. This is an all-too-common tactic however, and insurers use it to their advantage to intimidate, delay, and deny.

Your first tipoff may be when there is no investigation of your claim. There may be no phone ringing at all from the adjuster, insurance representatives trying to get more details, or anything. This is a common red flag of bad faith practices, along with unreasonable delays—and often that is exactly where the fraudulent fraud investigation comes in! Such an experience can be extremely challenging too if your home has serious fire damage and you have had to move out. The disruption to your life can be epic, and a fraud investigation may add more stress than you feel like you can manage.

This is not the time to go it alone. You need an attorney to defend you against the fraud accusations, as well as help you get your claim paid. An insurance company acting in bad faith—and especially putting you through an extended period out of your home—may not only be severely fined in court, but they may also owe you compensatory and punitive damages.

If you suspect negligence on the part of your insurance agent or insurance company, contact the Bolender Law Firm. We will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!