If you have been injured in an automobile accident, have lost your home to a fire, or have been the victim of theft, then you have likely filed an insurance claim to recover for your losses. You probably expect the insurance company to compensate you for your losses. After all, you pay for the service. Often, the insurance company will indeed offer a settlement that will take care of your damages. Sometimes, however, an insurance company might offer a settlement that is too low, or deny your claim altogether. If you are in the middle of one of these situations, then the attorneys at Hughes & Coleman are here to fight your case and help you win the compensation that you deserve.
Types of Insurance Disputes
Breach of Contract
A breach of contract occurs when your insurance company does not do something that they are contractually obligated to do. For example, if your vehicle is covered from flooding by your car insurance and your insurance company denies responsibility after your car is flooded in a storm, then you may be able to file a breach of contract claim against the insurance company.
An insurance company owes its policy holders a duty to act in good faith when determining whether or not to grant a claim. They should not try to find loopholes to get out of paying its policy holders. If your insurance company is denying your claim, then you may have a case against the company for bad faith. Common factors of bad faith include:
- Denial of coverage for no reasonable basis
- Offering a settlement that is unfairly low
- Failure to negotiate to settle the claim
- Failure to tell the policy holder his or her policy limits
- Failure to explain why a claim has been denied
- Failure to pay the claim in a reasonable amount of time
- Failure to investigate the claim
- Failure to communicate information to the policy holder
Typically, a bad faith claim can be solved in four different ways: the two parties will either settle the claim, go to mediation (a meeting with a third party to negotiate your claim), enter into arbitration (a more formal, private judicial determination of a dispute instead of going to court), or the parties will go to court and a verdict will be entered.
Don’t Wait—Time is Limited to File a Claim
If you are attempting to fight your insurance company’s decision, then you will want to talk to an attorney as soon as possible after hearing from the insurance company. Laws called statutes of limitations end your ability to sue after a certain period of time. Once that time passes, you cannot bring a lawsuit, even if you are entitled to compensation. These laws vary from state to state and depend on the type of claim that you are attempting to file. To speak with one of the team members at Hughes & Coleman, call or fill out a free case evaluation form today, we will contact you regarding your case.
How Do I Afford a Lawyer?
At Hughes & Coleman, our attorneys work on a contingency basis when dealing with insurance disputes. This means that you will only pay your attorney if he or she helps you win your case and gets the compensation you deserve. If you lose your case or are not awarded compensation, then you will never have to pay your attorney for his or her services. There is no hefty down payment, expensive hourly rate, or financial risk on your end. If you don’t win, you don’t owe your lawyer anything.
Let Us Help You with Your Insurance Dispute Today
If you are in a situation where you need to utilize insurance coverage in the first place, then you have enough on your plate without worrying about trying to file a case against your insurance company on your own. Insurance claim cases can be long and complicated. Don’t try to fight a huge insurance company by yourself, let one of the experienced attorneys at Hughes & Coleman help you fight your case today. Our attorneys are trained to fight for the compensation that you deserve from the insurance company.
Your chances of winning an insurance dispute claim depend greatly on the particular circumstances of your individual case. The best way to determine if you have a strong case against your insurance company is to speak with one of our team members about your case. Talking to us is completely free, so you have nothing to lose. Call or fill out a case evaluation form today, and we will contact you at a time that is convenient for you and discuss your case.