Insurance Litigation

Chances are if you are like most people, you have insurance on your home, automobile and if you’re a business owner, on your business as well.  This means when you make a claim after suffering damage, you have an expectation the insurance company will honor that claim. Unfortunately, this is not always the case.  Insurance companies are notorious for rejecting home, health and auto insurance claims, even when they are supported by backup documents.

Fighting Back Against Insurance Companies

When you have suffered a financial loss that should be covered by insurance you are looking for results. Insurance companies are interested in protecting their bottom line and that often means rejecting claims hoping their customers will not fight back. We can help ensure they are held accountable for rejecting a legitimate claim when insurers have engaged in behavior that is detrimental to you including:

  • Legitimate claim denials – oftentimes insurance companies offer generic policies and will attempt to deny any claim that is filed. When you suffer a loss and your insurance company is denying your claim, they are hoping you won’t fight back.
  • Claims exclusions – South Carolina residents are often forced to file an insurance claim due to storm damage. One of the tactics insurance companies have used to deny claims is to have “hidden” clauses that exclude certain claims. If your insurance company misrepresented your coverage, we can fight them and make them pay.

Insurance Company Denial Tactics

Consumers often do not understand the lengths an insurer will go to avoid payment on a claim. Some of the tactics they use may include:

  • Misrepresentation – insurers who are faced with a substantial claim will often look back upon the original applications for insurance to determine if there were any inaccurate statements made. They could ultimately use this as a tactic for denying your claim.
  • Exclusions to coverage – insurance companies are likely to pour over the details if your policy to determine if there is some clause that will allow them to deny a legitimate claim. Vague language in policies often allow them this “loophole” but we can fight hard to ensure your claims are paid.

If you are facing a reluctant insurer and you are uncertain what options are available to you, you need to work with an insurance litigation attorney. We can review your insurance policy and we can help fight your insurance company and make sure you get the benefits you are entitled to.

If you have placed a legitimate insurance claim and your insurance company refuses to pay, contact Michael G. Sribnick, M.D., J.D., LLC at (843) 789-3504. 

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