Insurance Claim Disputes
We pay for insurance to protect what matters most—our health, our homes, and our property. Unfortunately, after a disaster like a hurricane or a flood, many people will find that their insurer refuses to pay their claim or disputes the amount their claim is worth.
If your insurance claim has been wrongfully denied or if your insurer wants to pay less than you deserve, you need experienced legal representation to fight for your right to insurance coverage. At Mike Brandner Injury Attorneys, we’re not afraid to take the insurance companies to court to ensure that you receive the coverage you deserve.
Why Has My Claim Been Denied?
Under Louisiana law, your insurance company has a duty to pay your claim if you have submitted satisfactory proof of your loss.
What the statutes require and how your insurance company behaves, however, are two entirely different things. Your insurance company may deny your claim by alleging that your damage is not covered by your policy, that your premiums were not paid in a timely manner, or that you misunderstood your policy.
Often, your claim may be denied simply because it is in the best financial interest of your insurance company. After all, the company cannot be profitable if they pay every claim. Many insurance companies deny claims because they are betting that most policy holders will not hire legal counsel to dispute their claim denial.
How Do I Make The Insurance Company Pay?
The best way to ensure that a wrongly-denied claim gets paid in full is by hiring an experienced insurance claims attorney.
Your attorney can review the documentation provided to you by your insurance company, and make sure that you do not sign away important rights or make statements which could damage your chances of recovery.
In addition, an attorney lets your insurance company know that you intend to be taken seriously. Studies have proven that accident or injury victims who hire legal representation soon after an injury consistently receive much higher payouts than those who take on large corporations alone.
Finally, your insurer cannot refuse to pay your claim for reasons that are arbitrary or capricious. If it can be proved that your insurance company acted in bad faith, you may be able to seek additional damages and penalties for their wrongdoing.
Whether your insurance policy is covering your health, your home, or your car, the insurance claim lawyers at Mike Brandner Injury Attorneys will work to get you the compensation you paid for under your policy.