Every day, people In Kansas City and around the country are injured because of someone else’s negligence. Too often, the people who are injured are at the mercy of insurance companies that see them as cases to be closed as quickly and cheaply as possible. Insurance companies make a lot of money simply by not paying legitimate claims.
Our attorneys will help you with car insurance disputes and other insurance claims. We will perform a detailed review of your auto insurance policy, so that you are fully informed about the coverage you have and the benefits you are entitled to under your policy. If the insurance adjuster improperly denied your claim, we will work to resolve your claim through arbitration or litigation. We handle a variety of insurance disputes including:
- Underinsured and uninsured motorist coverage: You may believe that you are out of luck if you were hurt in a hit-and-run accident or if the driver who caused your accident was uninsured. But your own auto insurance should cover you in these circumstances. You may also be entitled to additional compensation from your own car insurance if the other driver’s insurance was not enough to compensate your for your losses.
- Homeowners’ policy claims: The insurance company may give various reasons for denying your claim. Their adjusters may claim your policy does not provide coverage, that you caused the damage, that the damage did not exceed your deductible, or that a claim will hurt your insurability. Remember that their adjusters are paid to keep the insurance payouts low and their interpretations and advice may be inaccurate.
- Vexatious refusal to pay: When your insurance company fails to pay your claim under an auto insurance, health insurance, or homeowners’ insurance policy, it may have committed a tort and entitled you to a “first-party” cause of action. There are also instances of “bad faith,” when the insurance company of the at-fault party, such the other driver in a car accident, fails to settle with you within the driver’s policy limits.