What should you do when your insurance company denies a valid claim under a policy which is paid to date? It is surprising how often insurance company representatives “misunderstand” their own insurance coverages. You bought an insurance policy and paid the premiums faithfully. Now that a claim has arisen, you are surprised your insurance company is taking the position your claim is outside of the coverage provided by your insurance policy. What options do you have?
The insurance coverage attorneys at the Watkins Firm will review your policy, the circumstances surrounding your claim and advise you regarding the validity of your claim. Many claims that are originally denied by an insurance company are actually valid claims. Once these claims are challenged by our attorneys, the insurance company is forced to acknowledge their “error” and approve payment of the claim.
Insurance companies do not make profit by paying claims. They increase their profit by challenging valid claims, and attempting to convince policy holders that their policy does not cover the circumstances surrounding the claim. If your insurance company denies a valid claim we invite you to contact us for a free consultation at 858-535-1511. We will discuss the type of policy you hold, the specific circumstances surrounding your claim and the responses of your insurance company. Our clients value our experience and expertise when reviewing insurance policies to evaluate coverage and the validity of a claim. We protect the San Diego are from cases of insurance bad faith and help to resolve disputes regarding the denial of valid insurance claims.
In many cases the insurance company will issue a “Reservation of Rights” letter. This is known within the insurance industry as a “denial letter” as it tells the policy holder that the insurance company has serious concerns or questions regarding the validity of their claim or the coverage of their policy based upon the circumstances surrounding the claim. If you have received a Reservation of Rights letter, are concerned about the misleading actions of your insurance company or aren’t sure what action to take when your insurance company denies a valid claim contact the experienced insurance attorneys at the Watkins Firm.