When you purchase an insurance policy of any kind – automobile, homeowners, personal liability, renters insurance or business coverage – you fully expect the insurance carrier to be there for you should you ever file a claim. Insurance is intended to protect your assets, cover certain financial expenses and provide you with peace of mind. You pay your premiums on time and in good faith, and frankly seldom think about it until you actually need it.
At the Denver insurance dispute law firm of Rosenthal & Heymann, we represent clients who have made the unfortunate discovery that insurance companies may not always deliver on what they have promised. It is in those instances when you are well advised to seek aggressive and competent legal counsel to help you in your dispute with the insurance carrier – one who will stand up and fight for your legal rights against the battery of insurance company lawyers and executives who are protecting profits at a customer’s expense.
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Insurance Dispute Cases
With the wide array of different types of insurance policies available today, a dispute with your carrier concerning their reluctance to pay on your claim or deny you coverage may involve:
• Long-term care insurance
• Homeowners insurance
• Health insurance
• Liability insurance
• Fire damage insurance
• Disability insurance
• Automobile, boat, or RV insurance
• Medicare or Medicare supplement insurance
• Employee Retirement Income Security Act (ERISA) insurance
• Life / death benefits insurance
• Liability insurance
• Casualty insurance
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In some cases, the insurance company may refuse to pay all or part of your claim, or even deny you coverage to begin with. They also may unreasonably delay the settlement of your claim, or require you to provide a seemingly unending list of intimidating and confusing forms or documentation.
Still other cases involve the language in the fine print of your policy, which may contain specific exclusions or legal loopholes that can easily be misinterpreted or misunderstood. The right insurance dispute lawyer may be able to prove that an insurance company actually acted in bad faith, which may entitle you to recover compensation for both the claim and additional punitive damages.
There are several ways an insurance company may be found to have acted in bad faith. When it comes time for you to be fairly and reasonably compensated for any damages you have incurred, as based on the language in your policy contract, some companies suddenly and inexplicably become unwilling to uphold their end of the agreement. Insurance companies are, after all, big businesses in existence to make a profit. But, when profits come before ethics and the fair treatment of clients, an insurance company can and should be held responsible for abusive business practices.
Don’t go it alone when it comes to battling with your insurance company if you are involved in a dispute. If you feel you are not being treated fairly or are intimidated and confused by the methods and tactics of your insurance carrier, call the Denver insurance dispute attorneys at Rosenthal & Heymann and allow us to aggressively represent your legal rights and financial interests.
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