Insurance Claims

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Toledo Insurance Dispute Attorneys

We live in a society where many people are distrustful of insurance companies, even the ones they hold policies with. Insurance disputes can be protracted battles that are costly because needed benefits are denied and the expenditures involved in fighting to resolve these matters can easily accumulate. Whether you have a car accident claim, a dog bite injury case, or a surgery error issue, having an experienced insurance dispute attorney on your side can be the strongest weapon in an effective case.

Lafferty, Gallagher & Scott, LLC handles insurance disputes in conjunction with personal injury and medical malpractice claims. Contact us today to schedule a free consultation if you have an insurance dispute with your own insurer or another insurance carrier.

The only time an insurance company might be on your side is if someone makes a claim against your policy and your insurer chooses to defend it. Our lawyers are not afraid to take on those who try to make unjust claims on your coverage in court to protect our clients’ rights as policyholders. Our practice includes:

  • Uninsured and underinsured motorist claims – if you have been involved in a motor vehicle accident and the negligent driver does not have enough (or any) insurance to cover your expenses, we have experience with these types of claims.
  • Denial of disability benefits claims – if you have been permanently injured and your insurance carrier refuses to pay long-term disability benefits based on the findings of a doctor, who they have chosen, we can help you challenge these decisions.
  • Insurance bad faith claims – many insurance companies are concerned with their bottom line and maximizing profits at their policyholders’ expense, but that should not trump their obligations to their insureds. We are here to make sure they pay legitimate claims to their policyholders.

Denial of Disability Benefits Claims

Disability insurance policies have become a popular way for insurance companies to accept your policyholder premiums year after year, all the while knowing that they aren’t going to pay so much as a dime or a dollar when you need them.

There is a short window of opportunity to contest a disability denial. Don’t delay. Does it seem like the long-term benefits your disability insurance carrier promised have disappeared now that you need them? It’s not by accident. If you have received a disability benefits denial, contact our attorneys in Toledo, Ohio.

At Lafferty, Gallagher & Scott, LLC, we fight to protect the rights of disabled people in the Toledo area and throughout Ohio against the unfair denial of their claims by insurers. Over the last 45 years, our lawyers have had success in these cases where others have not — to the point where our firm has become a consistent choice for referrals from other firms in this area.

Insurance companies use many tactics to avoid paying disability benefits. One of the primary ones is to send claimants to doctors that they choose. As it so happens, these “doctors” tend to come up with “medical findings” that benefit the insurance companies virtually 100 percent of the time. Often, these findings will indicate that the policyholder is not completely unable to work and that there is some work they can do. Fortunately for the insurance companies, this is just the excuse they need to deny coverage. Funny how that works out.

It’s anything but funny to our clients. We send our clients to the doctors who know them best so that they can get the diagnosis and treatment they need rather than excuses. We know how to counter the insurance company’s “expert” medical testimony with our own. We know their strategies. And we are not afraid to take them on at trial to protect the rights and interests of our clients.

Bad Faith Insurance Claims

If you learn nothing else about insurance companies from Lafferty, Gallagher & Scott, LLC, remember this: They are not “good neighbors.” They are not “on your side.” And, you are not in “good hands.” They ignore. They delay. They put up smoke screens. And they deny.

Because of this and because Lafferty, Gallagher & Scott, LLC is dedicated to protecting our clients’ interests, we’ve found ourselves on a collision course with insurance companies many times. As demonstrated by the verdicts and settlements we have been able to achieve, we’ve more than held our own in Ohio. We are here to fight for our client’s rights when insurance companies have refused to act in good faith and you feel your claim has been denied unjustly.

Contact our knowledgeable attorneys to schedule a free consultation if you believe you have a bad faith insurance claim. Our lawyers help policyholders who have bad faith insurance claims arising from the following types of situations:

  • Denied claims where the reasoning is unfair, arbitrary, or unjust
  • Unreasonable delay
  • The amount offered is insufficient to cover the claim

Whether the insurer has denied a claim from a car accident or a truck accident or even a surgical error, we have experience exploring the basis for a bad faith insurance claim. We always ask the following questions when researching one of these cases:

  • Did your insurer conduct a proper investigation before denying the claim?
  • Were the investigators they hired impartial or biased?
  • Did they deny the claim on a valid basis?
  • Did the insurer adhere to policy language?

Our attorneys will conduct a thorough investigation of the details of the accident, the claim, and the policy the claim was filed under. We believe understanding the history of the facts of a case is the key to figuring out if the insurance company breached its duty and if a bad faith insurance claim exists. We also want to make sure insurance companies live up to the promises they make in every type of policy, from a car insurance policy to a life insurance policy. We have been handling these types of insurance claims for a long time and we believe our success is founded on our attention to detail.

Uninsured & Underinsured Motorist Claims

Ask yourself: when insurance companies spend millions and millions of dollars each year to lobby politicians and to have laws changed to make it harder for policyholders to contest their decisions and easier for themselves to deny valid claims — are they really on your side?

Right now, it is as difficult as ever to recover on denied underinsured motorist (UIM) or uninsured motorist (UM) claims. We are on your side and have been on the cutting edge of plaintiffs’ rights involving underinsured and uninsured motorist policies. Protect your rights and contact our attorneys today. At Lafferty, Gallagher & Scott, LLC, our practice helping car accident victims in the Toledo area and throughout Ohio with personal injury claims has also given us a great deal of experience with UM and UIM claims.

In serious motor vehicle accidents, medical bills will often quickly exceed the policy limits of negligent drivers and force injured people to try and recover medical benefits through their own auto policies. In the worst cases, the same drivers who cause accidents through their own recklessness often turn out to be the ones who don’t have insurance at all because of reckless driving in the past. In any event, insurance companies are notorious for denying these claims.

Our lawyers have kept up with the legal changes these companies have lobbied for and have a long history of success in challenging their denials of coverage in court. As a result, other law firms and attorneys have consistently referred many of their own clients to us for help in recovering the benefits their policies entitle them to.

Skilled Insurance Claims Lawyers Since 1973

If you have an insurance dispute issue that you feel needs aggressive representation, contact us to schedule a free consultation today at our Toledo office today. All of our attorneys are AV Peer Review Rated* through Martindale-Hubbell. Out-of-state referrals are welcome.



All of our partners are AV Peer Review Rated* through Martindale-Hubbell. Out-of-state referrals are welcome for all
areas of practice we handle, including personal injury, workers’ compensation and insurance claims issues.




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