Claims without injury or bodily harm
At Cronauer Law, we understand how vital it is to have proficient legal representation when disputes with insurance providers arise. It is paramount to note, however, that while we are committed to assisting those who have suffered injuries or bodily harm and need to claim their rightful compensation through various claims,
Our legal services do not include representation for claims that do not involve personal injuries.
An insurance claims attorney can be immensely helpful in a variety of situations where a dispute arises with an insurance provider, but the case doesn’t involve personal injuries. Here are several scenarios where an insurance claims attorney would be warranted over a personal injury attorney:
Property Damage Claims:
Beyond car accidents, this includes property damage due to natural disasters (like hurricanes, floods, or earthquakes), fire, theft, vandalism, or other incidents covered under homeowners’ or renters’ insurance policies.
Homeowner’s Insurance Disputes:
Issues such as disputes over coverage for roof damage, mold, or foundation issues that an insurance company may deny or underpay.
Health Insurance Denials:
When a health insurance company refuses to cover certain medical treatments or procedures, or when they rescind coverage after the treatment has been administered.
Life Insurance Disputes:
When an insurance company denies a life insurance claim, citing reasons such as alleged misrepresentation on the application or contesting the policy validity during the contestability period.
Disability Insurance Denials:
Insurance companies may deny long-term or short-term disability insurance claims for a variety of contested reasons, including disputes about the extent of the disability or eligibility.
Business Insurance Claims:
Disputes over claims involving commercial property insurance, business interruption insurance, or liability coverage.
Professional Liability Insurance Issues:
When an insurance company refuses to defend or indemnify a professional (such as a doctor, lawyer, or architect) under their professional liability (malpractice) insurance.
Travel Insurance Claims:
Issues may arise when a travel insurance company refuses to reimburse for trip cancellations, interruptions, or lost luggage.
Credit Insurance and Loan Protection Claims: If an insurer denies a claim under a policy taken to cover a credit card debt or loan payments in the event of death, disability, or unemployment.
Uninsured or Underinsured Motorist Claims: When your own insurance company disputes the value of a claim under your uninsured/underinsured motorist coverage.
Bad Faith Insurance Practices: Any instance where an insurer is alleged to have failed to investigate a claim properly, delayed payment without reason, or unfairly interpreted policy language to minimize or deny a claim.
An insurance claims attorney helps policyholders enforce their rights under insurance policies. When fair treatment is not forthcoming from the insurance company, skilled legal assistance can guide policyholders through the complexities of insurance law, negotiate on their behalf, or take legal action to secure the benefits they are entitled to. It’s important to recognize that the value an insurance claims attorney provides is not just in litigation but also in leveraging their expertise and experience to negotiate settlements with insurance companies, potentially avoiding the need for a lawsuit.