Tucson Personal Insurance Attorney | Phillips Law Group
When accidents happen, people rely on personal insurance policies to recover damages. Unfortunately, many providers work to benefit the insurance company, rather than in the best interests of its clients.
If your insurance company denied your claim without reasonable cause, or engaged in unfair practices to diminish your payout, you may be able to pursue a case against your insurer for unfair practices.
At Phillips Law Group, we understand the tactics insurance companies use. We have been advocating for our clients and winning millions in settlements against these big corporations for decades. This is one reason why we recommend contacting one of our experienced Tucson personal insurance attorneys to review your claim in a completely free legal consultation.
Need help? Call Phillips Law Group for answers. Ph: 1-800-706-3000
Am I Eligible to File a Case?
It is difficult to determine if you are eligible to file a case without knowing the specifics of your situation. Generally, to determine whether the insurance company was acting in bad faith, we may consider the following aspects:
- Why were you were denied coverage?
- Did the insurer unnecessarily delay payment?
- Why was the proposed settlement valued at much less than the claim is worth?
- Was there a reasonable investigation?
- Did the insurance company fail to disclose important policy information?
- Did the insurance company put their profits over your valid claim?
During your free consultation, we will review the specifics of your claim denial and determine if bad faith tactics were involved in the insurance company’s decision.
Complete ourFree online Case Evaluation formnow to get started.
Insurance Disputes We Handle at Phillips Law Group
At Phillips Law Group, our experienced personal insurance attorneys are prepared to handle the following insurance claim disputes:
Drivers in Arizona must carry at least the state’s minimum policy requirements for auto insurance coverage. These limits help to ensure that a percentage of medical costs or property damage is covered in the case of an auto accident.
Damage to your property or interior of your house is covered by a homeowner’s or rental property insurance. This type of policy is designed to protect the contents inside your home from damages, stolen goods if there is a break-in, or when someone gets injured while on your property.
It is worth mentioning, that homeowners are often unaware that each insurance company may have its own policy limitations, so it is a good idea to review your policy periodically and clarify anything that you do not understand.
In the event of your death, life insurance provides surviving family members or designated beneficiaries with a lump sum payment. These funds help to provide for your family’s loss of income, your funeral and burial costs, mortgage and any other expenses your family may incur after your death.
Health insurance policies vary depending on the coverage purchased, but in general it is designed to cover a portion of any medical expenses you incur, including surgeries, laboratory tests and prescription medications.
Unfortunately, health insurance companies have a history of denying coverage for certain health procedures they consider to be cosmetic or experimental.
To protect against potential natural disasters like floods, fires or earthquakes, a homeowner may decide to purchase catastrophe insurance.
If you become permanently or temporarily disabled and are unable to work, disability insurance provides for paid sick leave, as well as short-term and long-term disability benefits. It may even cover costs that are not included in your general health insurance, like physical therapy.
Long-Term Care Insurance
If you have a chronic medical condition, disability or disorder, long-term care insurance may cover costs not offered by regular health insurance policies. This coverage could include providing services to those who are unable to perform daily tasks without the help of others, like bathing, walking, eating and dressing.
If you have any questions about an insurance policy claim, do not hesitate to contact a knowledgeable Tucson personal insurance attorney to learn more. At Phillips Law Group, our phone lines are available 24 hours a day, seven days a week.
Call now to set up your free consultation at 1-800-706-3000 .
Reasons Insurance Claims are Typically Denied
Insurance providers are a business, so their first priority is ensuring its profitability. Unfortunately, this means a provider may claim the following to get out of paying:
- Your situation is not covered by the policy
- Your specific situation falls outside of the policy’s coverage or below the deductible
- You have failed to pay your premiums on time
- The policy insurance has lapsed due to not paying premiums or failing to pay on time
- You are suffering from a preexisting condition, so your new injury is not covered
- You failed to receive treatment at the time the injury occurred
- You failed to notify the insurance company of the accident before the deadline
If you are having trouble with your insurance claim, we strongly recommend speaking to an attorney who has thorough knowledge and experience dealing with insurance companies. Our Tucson personal insurance attorneys are ready to assist you and answer your legal questions in a completely free review of your potential claim.
Bad Faith Tactics Used by Insurers
When you purchase an insurance policy, you expect to be covered in the event of an accident, and you generally trust that your provider will act in good faith if that coverage is needed. However, when an insurer uses unfair tactics to devalue your claim, you may feel you do not have any options. Fortunately, there are Arizona laws that prohibit insurance companies from engaging in bad faith tactics such as:
- Refusing to pay claims without carrying out a thorough investigation of the incident
- Misrepresenting important facts or insurance policy provisions pertaining to the coverages at issue
- Failing to approve or deny coverage within a reasonable time
- Failing to implement or adopt reasonable standards while investigating claims
- Attempting to settle claims for less than what your situation is worth
- Attempting to settle claims without consent or notice from the policy holder
- Delaying payment or investigation
If you have been in an accident and believe that your insurance company is not abiding by Arizona law, it is important that you discuss your claim with a licensed attorney.
We are here to help, 24/7 at Ph: 1-800-706-3000 .
Ways You Can Protect Your Insurance Claim
Each situation is unique, but there are actionable steps you can take to help protect your claim, including:
- Review your policy and clarify any details you do not understand
- Check filing deadlines required by your provider
- Review what documents are required to file an insurance claim
- Keep all records that pertain to your accident, such as medical records, doctor bills, property damage receipts and any other relevant documentation
Arizona gives insurance companies up to 30 days to investigate a claim and provide the claimant with all the necessary forms he or she will need to complete and submit as part of the filing process. Once these forms have been submitted, the insurance company typically has up to 15 days to either deny or offer a settlement.
It is important to keep track of the process and be proactive about obtaining medical care for the injuries you sustained. When you work with a lawyer from Phillips Law Group, we are prepared to help ensure your provider’s filing process operates in accordance with Arizona law.
Protect your claim. Call our offices today. Ph: 1-800-706-3000 .
Reach Out to Our Tucson Personal Insurance Attorneys Today
If you are dealing with emotional and physical stresses in the aftermath of an accident, you do not have to handle the process on your own. Speak to one of the licensed attorneys from our firm today to review your claim and learn more about the services we provide.
At Phillips Law Group, we have achieved more than $1 billion in compensation for the clients we have represented, and we offer our services to you on contingency. This means you pay us nothing unless we are successful in winning a verdict or settlement on your behalf.
At Phillips Law Group, we want to help. 1-800-706-3000 .
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I have been with Phillips Law Group for a little over a year and I have learned what teamwork and family in a workplace looks like. There is always someone around to lend a helping hand, which is something I appreciate and cherish. I feel a sense of joy coming to work every day because of my co-workers as well as being able to help people in what can be a scary and stressful situation. I currently work as a Litigation Legal Assistant with an amazing team. When I started here, I was not very knowledgeable in personal injury. I was lucky to have been placed with an amazing team who was willing to take time to teach and pass on some great skills that have been a huge aid in helping me be successful in my position. I would recommend working here at Phillips Law Group, because they care about their employees and there is so much room for growth.
I would have no hesitation at all recommending Phillips Law Group. In particular, Juan Roque has impressed me with his professionalism, his integrity and his heart for the community!
Definitely recommend! Awesome
Kathy Hudson and Donato Giovanatto. Continues to go above and beyond the call of duty. Reaching out to the insurance company about the damage to the vehicle. Forcing them to take responsibility.
If you are in need of legal support for a motor vehicle collision of any kind, I highly recommend going to Phillips Law Group Injury Lawyers. Sean Davis has exemplary knowledge and experience in this field, compassion for his clients, and excellent judgment and communication skills.
The lawyers here are of top quality. Especially Trey Dayes, who was always respectful and hard-working.
Two family members were in a bad wreck a couple of years ago, and as a result called Phillips Law to represent them. Montana Thompson was the attorney assigned to the case with the help of Nemo Farr as legal assistant. Mr. Thompson litigated a very generous settlement for both my stepdaughter and her son. Because my grandson is a minor, I decided to act as conservator for him to ensure the settlement was safe and secure. Montana helped with that process, but it was Nemo who went way above and beyond the call in finding a financial institution to use for the restricted account. There were some glitches in that process but Nemo helped navigate them with a calm expertise which belies his age. I would consider them both great representatives of the level of commitment to their clients and assets to their firm.
I enjoy my work day here at Phillips Law Group and generally speaking I love my clients. Every day brings a new client or task to keep me on my toes. Administration keeps open communication and is hilarious most of the time! I love the way we celebrate FRIDAY, holidays and birthdays and how everything is so competitive. All in all I’m so fortunate to be here and I enjoy what I do.
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I would like to send special thanks to Phillips Law Group for giving me the opportunity to be a part of the Best Law Firm here in the Valley. During these troubling times with the epidemic, Phillips Law Group has masterfully created this family-like environment while still maintaining a professional and business-like approach for all their clients. Thru impeccable leadership that is unmatched by other law firms to the Multi-diverse employment opportunities that many employees advance within the firm; Phillips Law Group has not only distanced themselves from all other competition in the Personal Injury field but also has innovatively changed the narrative of being a great law institution. From providing Employee Appreciation Day to celebrating all major Holiday including great competitive contests; Phillips Law Group has the total participation of all employees to help contribute to the continued success of this firm. So in closing I would like to thank Senior Administration (Jeffery Phillips, Eva Chiaramonte, and Tim Tonkin) along with all of my colleagues and many friends for help making Phillips Law Group a unique and wonderful place to call my place of employment for 6+ years.