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What You Need To Know About How Insurance Companies Treat Claims

Last updated on September 28, 2021

Insurance, whether it is for business or personal coverage, is often thought of as a safety net — something that is comforting to have, but that a policyholder hopes never to use. When individuals or businesses submit insurance claims, it typically means an occurrence of bodily injury or property damage has left them in an adverse situation​. If things work as they are designed, the insurance policy covers the claim minus any deductible.

Unfortunately, things don’t always go smoothly for policyholders. Insurance companies often undervalue claims or deny them altogether, and the policyholder is left in a dire situation. While some claims are denied for valid reasons, many claims are unfairly rejected because the insurance company is seeking to boost its own bottom line. These companies market themselves as reliable partners who will be there when you need them most, yet they fall short of those promises.

Why Enlisting Legal Counsel Makes Sense

When an insurance company denies a valid claim, it is said to be acting in bad faith. It can be futile trying to resolve a dispute with an insurance company on your own. These companies employ experienced claims adjusters and lawyers who are savvy about protecting their clients’ interests.

When thousands or even millions of dollars are on the line, it only makes sense to put experienced legal counsel in your corner. The legal team at Buscemi Hallett LLP is ready to advocate aggressively for you in bad faith insurance disputes.

Insurance Companies Focus On Their Profits

Insurance companies are in business to make a profit. Insurance adjusters are intent on minimizing the amount that is paid out in claims. If you feel your claim has been wrongly denied or unfairly valued, you can push back. However, if you go at it alone, they often have the upper hand in negotiations because they do it every day. They may use something you reported to them against you. They may threaten to discontinue your coverage. They may say their first offer is their only offer.

Our legal team is familiar with the heavy-handed tactics that insurance companies use to deny legitimate claims or minimize the amount that is paid. We work on behalf of our clients to maximize the amount that is recovered, either through assertive negotiation or litigation.

If an insurance company breaches its duty of good faith, and you have to enlist legal representation to recover what is rightly owed to you, you may be able recover your legal costs in addition to the proper amount that your claim is worth.

The Initial Consultation Is Free

We represent clients throughout Southern California and nationwide from our office in San Diego. We help clients with disputes involving business disputes, construction disputes or disputes regarding personal insurance policies. Call 619-821-9163 or use our online contact form to schedule a free initial consultation in which we can review the facts of your case, provide a candid assessment and answer your questions.