While insurance companies do get a bad wrap in the media, there have been some situations that warranted that type of negative characterization. That being said, they do not tend to build dramas around insurance adjusters protecting their employers from fraudulent claims. Instead, the narrative surrounds attorneys championing the rights of the destitute to recover money that is rightly owed. This can even happen when you are filing a claim on your own insurance policy. If your insurer or another insurance company denies an otherwise valid claim, talk to a Toledo insurance claim lawyer about steps you can take to dispute the denial.
Essentially, there are two types of insurance claims. There are those you file on a policy that you have paid into for an extended period of time, and there are those you file on an allegedly-negligent party’s liability coverage. In Ohio, traffic accident claims are filed on a negligent party’s coverage. In cases in which the other party does not have insurance or flees the scene of the accident, you would file a claim on your own uninsured motorist policy.
If you are in an auto accident, you file a claim with the other party’s insurance company. A determination is made as to fault in the accident, and eventually, one party is ascribed the majority of the blame for the accident (usually). The insurance company then becomes the defendant in the suit. They fight the claim on behalf of their policyholder. This forces you into the position of proving not only the existence of the policyholder’s negligence but also the extent of your injuries and the financial costs of those injuries.
People purchase policies for themselves for any number of reasons. One of the most popular of these policies is life insurance or disability insurance. These policies are purchased through private companies and will supplement the income of someone who either dies prematurely or is injured severely to the extent that they cannot work. In some cases, insurance companies will collect premiums for decades, but when a policyholder tries to file a claim, they suddenly declare that a policy exclusion was triggered, like the fact that the policyholder told the company they did not smoke, but there’s a picture on their social media page of them sharing a cigarette with a friend. Now, the insurance company claims that the policyholder lied on their application, and they do not owe them any money. Yet, that information was available to them the entire time and they took the claimant’s money.
Now, what do you do?
Lafferty, Gallagher, & Scott fight bad faith insurance denials and other policy problems faced by those attempting to recover damages from an insurance policy. Call today to schedule a free consultation and we can discuss litigation strategy and more.
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.