"As an attorney who practices insurance law, I can help determine your eligibility at no cost to you." - James E. Smith
As an attorney who practices insurance law, I can help determine your eligibility at no cost to you. Just call me at 702-562-4209
All of us pay a lot of money for all kinds of insurance. Liability, fire, flood, medical, homeowner’s, car, boat, life, disability, theft and
employer group insurance are all benefits which we pay for. Insurance law can be complicated.
If you have a dispute with an insurance company of course you can talk to your insurance agent, but you should probably speak to your own attorney too. Insurance companies are businesses even though they serve a public purpose of covering losses which occur by other people, by nature or unforeseen circumstances
An insurance policy is a contract with definitions, exclusions and limitations which you most likely have no choice but to accept on the insurance company’s terms and conditions. Often the insurance company tries to avoid paying your claim by invoking the language of the policy to deny you your claim.
Claims adjusters are told to pay you only if they have to pay and to pay no more than the company has to pay you. Also, if someone makes a claim against you, the insurance company has a duty to defend you and pay the claim by the third party if it is legitimate, and to not expose you financially to a lawsuit judgment.
There is always a conflict of interest when the insurance company is paying for your attorney no matter how nice that attorney appears to be – J.S.
There are many more scenarios than those above and many other types of insurance, e.g., travel interruption, accidental death and indemnity, general commercial liability, underinsured motorist coverage, construction bonds, excess liability, marine, med pay, etc.
Many policies now require arbitration of insurance claims and disputes. If there is an issue involving insurance coverage or paying your claim it is best to consult with an attorney and not try to go it alone. The insurance company may be breaching its contract with you, or even breaching its duty of good faith and fair dealing with you.
Although you may be offered what seems like a fair settlement does not settle before the extent of your injury or damages is known.
Even after paying your attorney, you will almost always come out with more money in your pocket with a lawyer.
Don’t let the statute of limitations run on your claim because you believed that the other guy’s insurance company will eventually pay you.
Have a question? Ask James Smith!