Glendale Personal Insurance Lawyer
Personal insurance helps provide financial protection in case of an accident, injury or death. Unfortunately, insurance companies often deny valid claims. When this happens, you may be eligible to file an appeal to seek the compensation you and your family need.
Hiring an attorney is an important part of this process, but you need an experienced attorney with a history of results. The attorneys at Phillips Law Group have helped recover millions of dollars in injury claims for tens of thousands of clients.
Reach out to our legal team for a risk-free, no obligation consultation to learn more about your rights. We are here to answer all of your questions and are prepared to represent you throughout the legal process, if you have a case. Our services are offered on a contingency fee basis, which means you will not pay us any fees upfront unless we obtain compensation on your behalf.
Contact us today at 1-800-706-3000.
Do I Have a Case?
Being the victim of an accident that results in injuries or property damage can be devastating. Having an insurance company wrongly devalue or deny a valid claim only makes the entire experience worse. You may be wondering if you may be able to pursue legal action against the insurance company for acting in bad faith.
However, each case is unique. In order to determine whether you have a valid claim, our Glendale personal insurance lawyers will first need to get a better understanding of your situation. We may take several things into consideration, such as:
- The reason you were denied coverage
- Whether the insurance company unnecessarily delayed payment
- Why the proposed settlement was much less than the claim is worth
- Whether a reasonable investigation of the claim was conducted
- Whether the insurance company failed to disclose important policy information
… among many others.
Our Glendale personal injury attorneys are prepared to pursue the compensation you may be eligible for under the insurance policy. Discuss your claim with us by scheduling a free consultation. There is no risk or obligation in calling us to learn more about the legal options available to you.
Personal Insurance Disputes We Handle
At Phillips Law Group, our attorneys are committed to helping clients settle insurance claims disputes for many different types of personal insurance. Personal insurance is any form of insurance that helps protect you and your family from having to pay out-of-pocket costs for accidents, injuries or damages to your property.
General personal insurance disputes we may handle include:
Auto insurance helps protect accident victims from financial hardships after a car accident. All Arizona drivers must have a minimum amount of liability coverage. This includes bodily injury liability, which covers the cost of an accident victim’s medical costs from a crash caused by the policyholder. The at-fault driver should also have coverage to pay for damage to your property.
Home/rental insurance provides compensation for damage done to your property. Home insurance provides compensation for damage to the property inside your house and the house itself. Both types of insurance can cover the contents of your home, such as furniture, electronics, jewelry, clothing or anything else that is movable. This type of insurance may also provide a payout in the event of a break in, if someone was injured on your property, or for damages caused by another accident.
Unfortunately, these policies may have fine print that excludes certain kinds of damage from coverage, such as wind or water damage. Homeowners are often unaware of this when they purchase insurance.
This type of personal insurance helps protects Arizona residents against natural disasters, such as floods, storms and earthquakes. It provides compensation for damages sustained during these events. Certain geographical areas are at higher risk than others for such disasters, which is why catastrophic insurance is usually necessary to cover specific natural disasters not generally included in a homeowners policy.
Disability insurance helps pay a percentage of your income if you become temporarily or permanently disabled and are unable to work. It covers paid sick leave as well as short term and long-term disability benefits. This type of insurance could also help pay for physical therapy not covered by your health insurance, some or most of the costs to renovate your home to fit your disability, and other daily expenses.
Health insurance helps pay specified amounts for medical expenses or treatment. The type and amount of health care coverage depends on the health insurance company. Essential health benefits could include emergency services, hospitalization, prescription drugs, laboratory tests, rehabilitative services and devices and mental health services.
Unfortunately, policyholders often struggle to obtain coverage for medical procedures and other services. For example, insurance companies may claim a procedure is experimental.
Life insurance pays a lump sum benefit to your beneficiaries or surviving family members in the event of your death. It can cover funeral and burial costs, mortgage and other related-debts, loss of your income, daily living expenses, and any other extra expenses your family might have.
Unfortunately, there are often loopholes in these policies. As policyholders get older, the life insurance company may increase monthly premiums or make health requirements more stringent.
Long-Term Care Insurance
Long-term care helps cover the costs of care not covered by regular health insurance, such as costs from a chronic medical condition, disability or a disorder like Alzheimer’s disease. Long-term care services include aiding individuals who are unable to perform daily tasks such as bathing, dressing, eating and walking in a nursing home or other care facility.
Call a Glendale personal insurance lawyer for a free consultation. 1-800-706-3000.
Why Are Insurance Claims Denied?
There are several reasons why insurance claims are denied. Unfortunately, insurance companies are only looking out for their best interests and will do anything to try and save money and avoid payouts. They may often interpret and manipulate the language in their policies to delay payment, devalue a claim or deny a valid claim altogether. An insurer may allege one or more of the following:
- The policy does not cover or excludes your specific loss or event
- The specific loss or event falls outside the policy’s coverage or below the deductible
- The policy coverage has lapsed due to not paying premiums or paying on time
- Failure to pay your premium on time
- You are suffering from a pre-existing condition
- You did not receive treatment at the time of the injury
- Failure to notify the insurance company before a deadline
- Dispute over liability for damages
If any of these things have happened to you, we recommend contacting an attorney with hands-on experience dealing with insurance companies. A licensed Glendale personal insurance attorney at our firm can review your situation and determine if your claim may have been unfairly denied.
Call 1-800-706-3000 now for your free consultation.
Unfair Settlement Practices Used by Insurers
An insurance policy is a contract between you and the insurance company. You enter into this agreement in good faith, meaning both sides need to act in good faith when there is a claim. You can only file a claim if you have a legitimate reason, and the insurance company can only deny it for a legitimate reason.
Unfortunately, insurance companies sometimes act in bad faith and use unfair claim settlement practices. Arizona’s Unfair Claims Settlement Practices Act (UCSPA) prohibits insurance companies from engaging in many unfair practices, such as:
- Misrepresent pertinent facts or insurance policy provisions
- Fail to acknowledge and act reasonably toward any claims presented
- Fail to adopt or implement reasonable standards while investigating claims
- Refuse to pay claims without conducting a reasonable investigation
- Fail to approve or deny coverage within a reasonable time
- Attempt to settle claims for less than reasonably deserved
- Delay the investigation or payment by requiring duplicate proofs of loss
- Attempt to settle claims without notice or consent from the insured party
If you believe your insurance company has broken the law by using unfair practices, do not hesitate to contact our experienced legal team today. Our Glendale personal insurance lawyers welcome the opportunity to review the details of your claim during a free consultation and are available to talk with you 24 hours a day, seven days a week.
Contact our office today by calling 1-800-706-3000.
Protecting Your Insurance Claim
The insurance claims process varies depending on the type of insurance you have, but there are some general things you can do to try to avoid being taken advantage of.
The first thing is to look over your insurance policy so that you understand your rights and responsibilities. This includes examining if the policy covers your particular situation or not. You may even have multiple policies that could cover the same situation.
The second thing is to determine the applicable deadline to file an insurance claim. The insurance company will inform you of the important documentation required. It is also essential that you keep track of all related expenses you incur as a result of an injury, illness or property damage. This could include medical bills from treatment services as well as lost wages and benefits from missed time at work.
The insurance company will then assign an adjuster to evaluate your insurance claim and decide how much the insurer will pay out, if anything.
Insurance claims are governed by the Arizona Administrative Code. The state gives insurance companies up to 30 days to investigate claims and provide all the claims forms required, such as proof of loss. Once the forms have been submitted, the insurance company has 15 days to either accept or deny your claim. This in accordance with Ariz. Admin. Code § R20-6-801.
You should be proactive with filing a claim and obtaining medical treatment for injuries. This helps to link your claim to an accident or injury and can make it more difficult for insurance companies to deny coverage.
Contact Our Glendale Personal Insurance Lawyers
If you believe that your insurance company has treated you unfairly, we recommend that you contact one of our Glendale personal insurance lawyers. We have represented more than 155,000 clients, helping them recover millions in compensation. Our legal team is prepared to communicate with the insurance companies on your behalf to seek the compensation you need to cover your losses.
Get in touch today to schedule your free consultation. There is no risk or obligation to pursue legal action. We are here to help you with your insurance disputes at no upfront cost to you. We only get paid at the end of the legal process if you obtain fair and just compensation. Our firm can be contacted 24/7.
Our office is located about 15 minutes from the Maricopa County government headquarters.