Experience ● Commitment ● Integrity

Insurance Disputes most frequently arise from:

• Insurance Claims Denial
• Insurance Bad Faith

Has your insurance company delayed or denied payment of valid claims for benefits under your insurance policy? Did they retroactively cancel your policy after you made a claim? Did your insurance company fail to resolve your claim amicably even when they could and should have done so? If so, you may be a victim of insurance claim denial or “bad faith.”

Fortunately, there is legal help for policyholders in insurance disputes. Our firm represents all types of policyholders in insurance denial claims. Our attorneys also help policyholders who have been damaged by "insurance bad faith.”

When an insurance company issues a policy of insurance, that company promises that it will act in good faith and deal fairly with its insured. Insurance companies that fail to live up to the terms of their policies are acting in bad faith and may be liable for damages in excess of the policy's limits.

The attorneys of Coker, Schickel, Sorenson & Posgay have decades of experience standing up for the rights of policyholders in insurance coverage disputes and bad faith claims.

Insurance companies want to avoid paying claims as it saves them money. Insurance companies receive thousands of claims daily and wrongfully deny many of them. Very few people actually dispute their claim, which keeps millions of dollars with the company. If an insurance company refuses to pay your claim, denies payment or offers an insufficient amount, it would be wise to hire an experienced attorney to enforce the insurance company’s obligations. You should never have to represent yourself alone against an insurance company or accept an unfair settlement offer.

When you purchase an insurance policy, whether for life insurance, disability insurance, homeowners insurance, automobile insurance or any other type of policy, you are entitled to the full benefits of the policy if you have a covered claim. If the insurance company refuses to pay or if it unreasonably delays your payment, you may have a “bad faith” insurance claim.

Examples of Insurance Bad Faith include:

• Failing to promptly and thoroughly investigate a claim
• Unreasonable interpretations in translating policy language
• Refusing to settle the case or reimburse you for the entirety of your loss
• Unreasonable denial of benefits
• Termination of an insurance claim that should have been paid
• Unreasonable delay in making payments
• Unreasonable failure to defend you when you have been sued under your liability insurance
• Unreasonable settlement offer for a valid claim

Insurance policies are very confusing and filled with many loopholes that can keep you from getting all the benefits you are due. If you are having a problem collecting benefits you feel you are entitled to, bring your policy and documentation to Coker, Schickel, Sorenson & Posgay for a free consultation. After a review of the policy, we will be able to determine whether coverage applies for your loss, and whether or not the Insurer has committed “bad faith.”

If the Court finds the Insurer wrongfully denied your claim, you may be eligible to recover the benefits of the policy for the claim, and possibly consequential losses and damages suffered for emotional distress, lost income and attorney fees. In some cases where the Insurer has exhibited flagrant, intentional and/or gross misconduct, punitive damages may be awarded.

To view representative Insurance Claims cases our firm has handled, please click here.