Abogados especializados en litigios de seguros en Ohio

When you’re in an accident, suffer an injury, or fall ill, you expect your insurance to cover you during a difficult time. Unfortunately, though, some insurance companies dispute valid claims in hopes of improving their profits. This makes accessing your insurance coverage difficult. That’s why you need a skilled attorney to negotiate with the insurance company on your behalf.

When you purchase insurance, you expect to be protected in the event of an illness, injury, loss of income, property damage, or death. Unfortunately, many insurance companies try to dispute valid claims in an effort to increase their profits.

If you think an insurance company is wrongly disputing your valid claim, it is in your best interest to consult the highly skilled Ohio insurance dispute lawyers at Kisling, Nestico, & Redick. Call us today at 1-800-HURT-NOW for a free consultation.

Types of Insurance Disputes

Insurance disputes are common across Ohio. Although you may have filed a valid claim, insurance companies can still deny it, delay it, or try to pay you as little as possible. At Kisling, Nestico, & Redick, our attorneys handle insurance disputes that involve a variety of policies.

Some of these insurance policies include:

• Health insurance
• Life insurance
• Car insurance
• Homeowners insurance
• Hurricane and fire insurance
• Disability insurance
• Workers’ compensation insurance
• Professional liability insurance

What is Insurance Bad Faith?

Insurance companies owe their policyholders a duty of good faith when determining whether or not to pay out on a claim. It is illegal for them to try and find ways to get out of paying their policyholders. If an insurance company is wrongfully denying your claim, you may have a case against them for insurance bad faith. Insurers act in bad faith when they:

• Deny Claims Without Any Explanation- Sometimes insurance companies deny a claim without providing a reason. Insurers must provide an explanation indicating the policy section that excludes or limits payment on a specific type of claim. They must also explain how the denial can be disputed.
• Delay Claims Without Any Explanation- Insurance companies do not have a legal obligation to provide their policyholders with regular updates, so many delay claims without an explanation. Additionally, many insurance policies feature vague language regarding delays, using words such as “prompt” or “timely” in hopes of sounding efficient.
• Offer Compensation That is Unfairly Low- Oftentimes insurance companies offer their policyholders a compensation amount that is well below what is considered fair for their particular situation. They hope policyholders will not say anything and accept their low offer.
• Fail to Investigate Claims- Thorough investigations are expensive, so insurance companies rely on perfunctory information or verbal descriptions in order to get the information they need. It’s imperative to determine how a claim investigation was performed.
• Request Endless Amounts of Information Prior to Making a Decision- Insurers will make you provide a large amount of information to file a claim. They will request an overwhelming amount of documentation, and will not make a decision until they receive it all from you.