Colorado Springs CO Insurance Claims Lawyer
Is your insurance carrier really like a good neighbor? Are you really in good hands? Many people find themselves asking that very question. It’s true that sometimes insurance companies do not act in the best interests of their own clients. It’s also true that insurance companies are bound by contractual obligations and a fiduciary duty to operate in their clients’ best interests. When an insurance company unfairly denies an injury claim, Brylak Law steps and becomes your advocate.
Brylak Law serves Colorado Springs CO insurance claims lawyer. If your claim is denied unfairly we will pore over your policy and ensure that your insurance company holds up their end of the bargain. If you are offered an insulting settlement, we will ensure you get every dime you’re owed. Call us today.
Two Types of Insurance Claims
Generally speaking, there are two different types of insurance claims. There are those that you file against your own insurance policy and those that you file against another party’s liability insurance.
Liability insurance claims involve an allegation of negligence and that injuries resulted from that negligence. They include policies such as:
- Auto insurance,
- Medical malpractice,
- General commercial liability, and
- Homeowner’s insurance liability coverage.
Personal protection policies involve claims that you make on your own insurance policy. These include policies such as:
- Uninsured/underinsured auto coverage,
- Personal injury protection,
- Homeowner’s property insurance,
- General property insurance policies,
- Life insurance,
- Long-term disability policies, and
- Health insurance policies.
Filing a Claim Against Another Person’s Liability Coverage
When you file a claim against another party’s liability coverage, you are claiming that their negligence resulted in your injuries. The claim passes through their insurance company who has a fiduciary duty to act on their behalf — not yours. The insurance company’s interests are aligned their policyholder’s. In essence, the insurance company acts as their legal counsel and represents them in the dispute.
In your corner, it’s just you unless you elect to have a personal injury attorney represent you in the claim. While the insurance company’s goal will be to deny your claim outright or diminish its value significantly, your attorney’s goal will be to ensure the largest possible settlement. In order to do this, your attorney must be able to build a trial-ready case against their policyholder and produce ironclad evidence on your behalf.
In most cases, the insurance company’s best play will be to blame you for the accident by claiming that your own negligence contributed to your injuries. Regardless of whether or not that is true is a different story. When they have no means of doing that, they can claim that their policyholder’s negligence only exacerbated a pre-existing problem and reduce their obligation that way. Your attorney’s job is to ensure that they don’t do that and take the case to trial if need be.
Filing a Claim on Your Own Insurance Policy
An insurance policy is really a contract that you sign with an insurance provider. It outlines the terms under which the policy will pay out. Some policies are relatively easy to get compensation under. Typically, homeowner’s insurance pays out without much hassle when there’s damage to your property. However, long-term ERISA insurance policies are notoriously difficult to prove.
Nonetheless, the insurance company has a fiduciary duty to act in your best interests and their policyholder. But this duty only goes so far as the terms of the policy. If the insurance company can successfully claim that you violated some term of the policy, were not up to date on your payments, or claim that you’re not owed anything under the terms of the policy, then they will. They do it every day.
In this case, you will need a skilled Colorado Springs CO insurance claims lawyer to advocate on your behalf. Our job will be to litigate your claim on your behalf and ensure that the insurance company is upholding its fiduciary duty to you as their policyholder.
Why Most Claims Are Denied
When you file a claim against your own policy, the insurance company has a certain amount of time to respond. They don’t want to deny the claim under a spurious rationale. Nor do they want to pay out a claim that they aren’t completely sure is valid. For that reason, they will usually stall by denying the claim for lack of information or simply by asking for more information. In this case, you will need to provide them with medical evidence of your injuries and legal reasoning on why your insurance policy should cover those damages.
Talk to a Colorado Springs CO Insurance Claims Attorney
If your insurance company is giving you a hard time or your having trouble getting a fair settlement from a negligent party’s policy, Brylak Law can help you file your claim and get your settlement. Call us to start discussing your case today.
Why Do Insurance Companies Deny Life Insurance Claims?
Insurance companies don’t always play fair. Sometimes they deny policy claims that are valid or push policy beneficiaries to provide every little bit of proof before they honor the claim. If you’ve been denied on a life insurance or disability benefits policy, you are entitled to appeal the decision. A denial is not necessarily the final decision. Insurance companies are obligated by contract law to honor valid claims. With the help of a Colorado Springs CO insurance claims lawyer, you can overturn that decision.
There are situations in which life insurance companies deny otherwise valid claims. In some situations, this is an honest mistake on their part. In other situations, they’re simply looking for more information. But sometimes they make a bad-faith denial in order to pressure you into settling for a smaller amount of money.
Of course, it’s in their best financial interests to do exactly that. But when you have a lawyer advocating on your behalf, it becomes that much more difficult for the insurance company to leverage you out of money that you are rightfully owed.
Why did the insurance company deny your claim? There a few possibilities. Those include the following:
- Death occurred during a contestability period, generally within the first two years of the policy;
- Policyholder fails to report or misrepresents specific information (eg, smoking);
- Policyholder’s death occurs during the application period;
- Policyholder was behind in payment;
- Beneficiary allows the insurance company to settle an incontestable policy for less than the policy is worth;
Why Do Insurance Companies Deny Disability Benefits Claims?
Insurance companies also deny disability benefits claims invoking specific reasons. When these reasons do not accurately represent your condition, then a Colorado Springs insurance claims lawyer can help them win on appeal. Those reasons include when the insurance company:
- Claims the policyholder’s injuries are not severe enough to restrict working;
- Claims that the policyholder has not provided sufficient proof of injury;
- Denies the policy based on the claim that the policyholder is suffering from mental and not physical illness.
Contact a Colorado Springs CO Insurance Claims Lawyer Today
Just because your claim was denied doesn’t mean that the denial was valid. When insurance companies deny claims, it helps to have an insurance claims lawyer advocate for your interests. Often, it’s just a matter of finding enough proof to force the company to satisfy the claim. If you’ve been denied, the Colorado Springs CO insurance claims lawyer at Brylak Law can help you fight back.
Brylak Law has helped hundreds of beneficiaries appeal bad denials. If the insurance company refuses to honor your policy, we can help get the evidence you need to honor the claim. We can also ensure that your insurance company does not deny your claim in bad faith. Call us today.