Yuma Personal Insurance Lawyer
When you experience an accident, injury or death, personal insurance can help provide financial protection. While you may think the insurance company has your best interests in mind, there are in business to make a profit. They may try to reach a quick settlement or devalue or deny a valid claim altogether.
If this has happened to you, we recommend contacting a Yuma personal insurance lawyer from Phillips Law Group. Our firm has helped more than 155,000 clients reach successful claims and have collected more than $750,000,000 in compensation over the past 27 years.
We welcome the opportunity to discuss your situation with us during a 100 percent free, no-obligation consultation. We are available 24 hours a day, seven days a week to talk your call or chat online. Our services are provided on a contingency fee basis, so there are no upfront costs or attorneys’ fees. We only get paid if we obtain compensation for you.
Am I Eligible to File a Case?
If you were injured in an accident and the insurance company denies or devalues your claim, it is important to know whether the insurer was practicing on good faith and fair dealing.
As each case is different, it is difficult to answer this question without knowing the specifics of your situation and how the insurance company handled it. Fortunately, our Yuma personal insurance lawyers know when an insurance company is not treating a claim fairly.
We may establish that you have a case based off some of the following circumstances:
- The insurance company failed to provide prompt, ongoing communication about your claim
- The insurance company failed to acknowledge or investigate the claim in a reasonable amount of time
- Your insurance failed to make a decision (either denying or approving) of your claim in a time-efficient manner
- The insurance company provided unfair settlement amounts that devalue your claim
- The insurance company failed to provide detailed reasons for denying your claim
- The insurance company claimed that they are not required to pay even though it is covered under the policy
If the insurance company did not take reasonable action in providing fair service, you may have a case against the insurance company. The best way to understand if this situation applies to you is to contact our legal team for a free and confidential consultation.
Personal Insurance Disputes Our Firm Handles
Life has many unpredictable situations and having insurance can protect you and your family from paying costly out-of-pocket expenses. Generally, the most common types of personal insurance claims we may handle include:
In the event of a car accident, automobile insurance protects the policy holder against economic damages up to the policy limit. All Arizona drivers are required to have a minimum amount of liability coverage. This includes $15,000 for bodily injury to one person, $30,000 for bodily injury to two or more persons and $10,000 for property damage.
Health insurance can help pay for a certain amount of medical expenses or related-treatments. The type and amount covered will depend on the health insurance company, but may include surgeries, prescription medications, medical tests and rehabilitation costs.
For damage done to your property, home or rental insurance is available to cover these damages. This may cover the contents within the home like furniture or electronics. It may also cover injuries of people hurt on the property.
This type of insurance, also referred to as catastrophic risk insurance, covers Arizona residents in the event of a significant disaster. This may include wild fires, earthquakes, floods and other natural disasters.
Disability insurance helps pay a percentage of your income after not being able to work if you become permanently or temporarily disabled. This may also cover costs to renovate your home to accommodate the disability.
Long-Term Care Insurance
This type of insurance covers costs for things that are not typically covered by Medicaid, Medicare, or health insurance. Long-term services generally include but are not limited to: nursing facilities, hospice care, adult care or assisted living homes.
Life insurance policies give financial benefits to the family of a deceased member or another chosen beneficiary of the deceased. This typically covers funeral costs, loss of your income, daily living expenses and other financial needs of the surviving family.
Insurance is a necessary means to cover financial costs in the case of an emergency. If you have questions about your policy and have come across certain discrepancies, give our Yuma personal insurance lawyers a call to learn about your potential legal options.
We are available 24/7. Call us at 1-800-706-3000.
Why Do Insurance Claims Get Denied?
There are a number of reasons why insurance claims get denied and unfortunately insurers are not helpful after this stage. They may use tactics to get you to say something that harms your claim to avoid a payout or may even delay the claims process to get you to become desperate to take the first settlement they offer.
An insurance adjuster may also allege at least one of the following:
- The policy does not cover or excludes your specific loss
- Your specific loss is below the deductible or falls outside of the policy’s coverage
- State that the policy has lapsed due to not paying on time
- Claim that you have a pre-existing condition
- You failed to notify the insurance company before a deadline
If your claim has been denied or devalued, we recommend that you contact our legal team. We can review your situation and determine your legal options in a free consultation.
How To Protect Your Insurance Claim
Insurance claims vary depending on the type of policy you have. However, there are certain steps you can take to be proactive with your insurance claim, these steps include:
- Understanding your insurance policy and ensuring that it covers your accident
- Determining deadlines set by the insurance company
- Keeping track of expenses you incurred from the accident
The insurance company will provide you with an adjuster who will review your situation. Having these steps completed before meeting with an adjuster may be able to ensure that you are not being treated unfairly.
At Phillips Law Group, our Yuma personal insurance lawyers can handle this portion of the accident on your behalf, if you have a case. We recommend contacting us before speaking to the insurance company so that you have the resources you need.
Contact a Yuma Personal Insurance Attorney for Legal Help
If you have been in an accident and must deal with an insurance company, do not hesitate to contact our experienced legal team for guidance with your claim.
Your initial consultation with us is 100 percent free and if you decide to move forward with your case, there are no upfront fees. We only get paid if we help you obtain compensation.
Call us right now to get started 1-800-706-3000.