Tag: Insurance claims

filing insurance claims

Before Filing Insurance Claims: Read Your Policy

For the average consumer, dealing with insurance or filing insurance claims is usually a double-edged sword. You want the peace of mind in knowing that if you are in a car wreck or your home is flooded, for example, that you are covered in every necessary way possible to pay for medical treatment and damage. Getting to that point requires some work though, beginning with shopping insurance companies and finding an agent you can trust. And although your insurance agent may guide you toward a suitable product, it is also up to you to understand the fine details of what you are purchasing. This can be challenging though sometimes—and if you run into a problem later, consult with a skilled insurance attorney from the Bolender Law Firm to gain a better understanding of what went wrong, and what the insurance company really promised you within the policy.

If you need to file a claim, it probably pertains to one of these types of insurance:

  • Auto insurance
  • Homeowners insurance
  • General liability
  • Commercial property insurance
  • Life insurance
  • Accidental death insurance
  • Professional liability insurance
  • Specialized insurance products

The Bolender Law Firm helps clients who expected coverage through all those types of policies but may have encountered a lack of investigation in the case, a lowball offer for a settlement, delay in payment of the claim—or an outright denial. No matter what type of policy you have, make sure you have a copy and that you are able to understand the major sections, from the declaration page identifying the insured, coverages, limits, and how long it is in force—to the insuring agreement, which lists exactly what the insurance company promises to do for you in the case of a claim, from paying out to offering suitable legal defense should that be necessary. The policy may also list exclusions, stating what is not covered, along with endorsements and riders that act as modifications or amendments to the original policy (and which by law, should be sent to you upon any changes).

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!