Long Island Insurance Law Attorney
On the surface, it seems simple. When a policyholder files a claim to his or her insurance company, he or she expects that the company will honor the validity of the claim and provide necessary assistance. However, it’s not always this simple. In many cases, insurers will deny seemingly valid claims without any legitimate reason.
At Hirschel Law Firm, P.C., a significant portion of our practice is devoted to representing policyholders filing lawsuits against their insurance companies for a denial or insufficient payment.
Helping Clients Recover Full, Fair And Just Compensation
Having worked with countless individuals, families and businesses throughout New York, we have seen every excuse the insurance companies offer up to deny claims. We know that most of these companies have an interest in avoiding their obligations or undervaluing claims. By filing a lawsuit, we force these insurance companies to negotiate in good faith and recognize the potential validity of our clients’ claims.
Some common reasons the insurance companies cite for denying a claim include:
- There was a lapse in coverage because the policyholder failed to pay policy premiums
- There was a material misrepresentation in the policy that excludes coverage
- The circumstances or injury falls outside the scope of the policy’s coverage
Many clients come to us asking, “Why was my claim denied?” The fact remains, when it comes to accepting coverage or paying claims, policyholders might quickly learn that insurance companies are not in the business of handing out large settlements. In many cases, rather than just accepting a denial or an insufficient settlement, a policyholder will benefit from an attorney reviewing his or her policy and representing his or her interests.
We Handle All Types Of Insurance Disputes Throughout New York
Whether you live on Long Island or elsewhere in New York, if your insurance company fails to recognize the validity of your claim or attempts to devalue your payout, we can step in and hold the company accountable. In some cases the insurance company may be misleading you, committing fraud or outright failing to fulfill contractual obligations.
Reach out to us and speak with a lawyer after denied insurance claims matters, such as:
- Unfair claims handling and bad faith
- Homeowners and business property losses
- Professional liability
- Disability insurance
- Employee Retirement Income Security Act (ERISA) claims
- Uninsured motorist coverage
- Personal insurance protection
- Errors and omissions coverage
- Life insurance
- Health insurance claims
- Medical billing
- Fire damage
- Storm and hurricane claims