Insurance Claim Denials & Hiring Insurance Lawyers

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Insurance companies have a duty under the law to deal fairly and in good faith with their clients. Unfortunately, this doesn’t always occur. These cases are often referred to as insurance claim denials or bad faith claims.

What Are Bad Faith Insurance Claims?

Insurance claim denials or bad faith claims arise when a policyholder believes their insurance company is breaching their contract by refusing to cover a claim. The claimant believes the insurance company is liable for payment, and the insurance company disputes this.

These conflicts can result in devastatingly high medical bills, bankruptcy, foreclosure, and even the financial inability to have a medical procedure done.

To understand more information about insurance claims, check out WKW’s “What Is Insurance Bad Faith?” video where we explain the details of insurance and insurance bad faith.

Do I Need Insurance Claim Help?

The answer is a resounding yes. If you believe you have a bad faith insurance claim, the process is not as simple as just suing an insurance company. Insurance companies have powerful resources and attorneys representing them.

Additionally, the bad faith claim needs to be proven. If you have an insurance claim that is denied, that is not necessarily a secure bad faith claim. Insurance companies are meticulous about their decision making. It takes an experienced professional who understands the insurance process and industry to prove that a bad faith claim is justified.

Do you want to know more about insurance bad faith? Check out WKW’s Insurance Claim Denials blog post for more information. Find out whether or not you have a bad faith claim.

What Do Insurance Lawyers Do?

Your insurance attorney is here to represent you and build your case. The insurance lawyers at Wilson Kehoe Winingham are experienced insurance bad faith attorneys. We understand the complexities of the law and of the insurance claims process.

If there is any indication of a bad faith claim, an insurance lawyer at WKW will review your case. With our experience and knowledge, we will determine your claim and build a strong case for your justice.

Working With a WKW Insurance Claim Lawyer

Here at WKW, we know what it’s like to go up against a powerful insurance company and win. Whether you are working with a personal injury attorney or an insurance dispute attorney, we are here to support you through these legal processes, and beyond.

Determining the type of bad faith claim you are eligible to make will determine what type of legal case your claim will be. Our attorneys will assess the details of your claim to see how best to proceed with your case.

We are fully prepared to investigate your case using all of our available resources. We can and will stand up to wrongful insurance companies and claims adjusters. We are here for you to make sure you get justice.
If you find yourself in a bad faith claim situation, you likely have a lot on your plate. Legal assistance from the insurance layers at WKW will help alleviate your stress. We’re here to help with the process from start to finish.

When to Talk to Insurance Lawyers

Every bad faith insurance claim is different. However, there are some sure signs that an insurer is practicing bad faith claims. If any of the following sound familiar to your situation, it’s time to seek insurance claim help:

The settlement offer is unreasonably high
The insurer refuses to investigate an obvious claim
The investigation is continuously delayed
The claim is complex without much description or reasoning offered
The fault is difficult to assign
The insurer keeps asking you the same questions for the same information
The insurer asks you questions that do not relate to the insurance claim
The settlement offer takes an unreasonably long time to complete
The insurer does not complete your claim
The insurer makes threats to cancel, or actually cancels, your insurance

As you can see, there are plenty of scenarios in which bad faith insurance claims may happen. Even so, each claim must be proven in detail and with evidence. Make sure you contact your insurance attorney to verify if you have a bad faith insurance case.

Types of Bad Faith Claims to Hire an insurance dispute Attorney For

Here are some specific instances where bad faith insurance claims are most often seen. If you have experienced any of these situations, it’s important to talk to your personal injury and bad faith insurance attorney. We can even help you with a potential case before it turns into a bad faith claim.

Auto Insurance

If you have been in a car accident, chances are you need to contact your insurance company to report it. However, you may find that your auto accident claim is much less than you thought it would be. You could also find your claim being completely denied. In many cases, this has to do with the type of auto insurance policy you have. However, in other cases, you may be experiencing a bad faith claim.

It’s important to have a solid understanding of your auto insurance claim. Our auto accident and insurance bad faith attorneys can review your insurance claim if you need help. We may find that we can build a base for a bad faith insurance claim. Some of the coverage types you should be aware of include:

Collision damage
Comprehensive coverage
Medical payment coverage
Personal injury protection
Bodily injury liability
Property damage liability
Uninsured motorist coverage

If your insurance company provides reason and justification for the settlement offer or denial of insurance, it’s always good to double check with your attorney. A denied insurance claim lawyer at WKW will help you understand either why your claim was denied, or handle the denial claim if it was made in bad faith.

Life Insurance Policies

Losing a loved one is a hard and emotional time in one’s life. Life insurance policies are meant to help and support families when a loved one has passed away. If your life insurance policy is through a moral insurance company, the hope is that full coverage will be granted so you can mourn and heal your loss. However, there are unfortunate circumstances when unethical, profit-driven insurance companies take advantage, denying claims on the basis of misdirected language.

We want to make sure that, during this hard time, you get the full compensation that you deserve. Call a bad faith insurance attorney at our office if you suspect you have been taken advantage of by your insurer.

When to Hire a Denied Insurance Claim Lawyer

Make sure you hire a lawyer for insurance claims before you accept any settlement offer. If you accept the settlement, or if your case has already been denied, then a whole other process needs to happen. There must be an appeal and the lawsuit must go through the federal court systems.

Although this may not sound bad, the process is limiting; you cannot add any new evidence to your case. You must work only with what you have, which places constraints on evidence and building a strong case.

In summary, hire a denied insurance claim lawyer before your claim is officially denied.

Do Insurance Lawyers Really Help?

Suing an insurance company for denying a claim is a complicated process. First, the claim must be founded in evidence. Additionally, insurance companies will exploit the position of people who are not represented by an insurance attorney. They may make a low offer that seems reasonable, but isn’t.

Identifying when a settlement offer is made in bad faith takes experience and a keen eye for what to look for. Having a lawyer for insurance claims means that you have legal backing and representation to be fully supported.

Bad faith insurance claims are difficult to fight. Working with a lawyer for suing an insurance company will increase the odds of winning your claim. Your insurance lawyer at WKW will make sure that your case is handled in a timely manner, and built on strong evidence to go up against the bad faith insurer.

Contact an Insurance Claim Denial Attorney Today

The Indiana bad faith insurance law attorneys at Wilson Kehoe Winingham have settled multiple cases against insurance companies for unfair denial of large claims, ranging from fire losses and roof collapses to disability claims made by physicians and other professionals.

Firm partner Bill Winingham has argued before the Indiana Supreme Court to continue to ensure that Indiana holds insurance companies accountable for their lack of good faith in denying claims.
If you—or a loved one—have been denied compensation for a legitimate insurance claim, we urge you to contact the Indianapolis insurance claim denial attorneys here at WKW. We can help you get the compensation you deserve.

Call 317.669.9983 or fill out our online contact form for a free, no-obligation case evaluation.