Insurance Claims

New Jersey Insurance Claims Attorneys

Far too often, innocent people struggle to get the fair compensation they deserve after filing an insurance claim for property damage or personal injuries. Unfortunately, insurance companies are typically focused on protecting their bottom line rather than treating claimants and their policyholders fairly when they file claims. 

As such, most claimants can benefit from the representation of an experienced New Jersey insurance claims attorney. When you hire an attorney from Varcadipane & Pinnisi, PC, they will be a tireless advocate for your interests, as opposed to the insurance company, which will do everything it can to deny or lowball your claim. With legal representation, you are more likely to receive the compensation you deserve for your damages.

How New Jersey Insurance Claims Attorneys Can Help

Our well-versed New Jersey insurance claims lawyers are prepared and honored to represent clients in numerous different types of cases involving homeowner’s insurance and car insurance. This includes those arising from damages from natural disasters like tornadoes and sinkholes or those involving uninsured/underinsured motorist coverage claims.

We will be here to represent you throughout the insurance claims process:

  • Helping you file your claim
  • Dealing with the insurer on your behalf
  • Negotiating fair settlement for your compensation 

We also represent injured parties who contact us after struggling independently to obtain compensation from an insurance company. Our New Jersey insurance claims lawyer can help determine the reason why the claimant is having a hard time and what the next best steps are. Sometimes it’s to file a lawsuit for the claim; other times, it’s to file a claim against the insurance company itself for their unethical behavior. 

What is Bad Faith Insurance in New Jersey?

Bad faith is dishonest dealing, sometimes with the intent to defraud. When an insurance company isn’t processing a claim promptly or can’t show good cause for why they aren’t paying someone fairly for their claim, they are likely acting in bad faith.

To prove a claim for bad faith, the policyholder must establish that the insurance company doesn’t have a reasonable basis for not extending benefits of the policy and that they know of their reckless disregard or the lack of reasonable basis for denying the claim.

We take cases involving insurance companies that act in bad faith by:

  • Unfairly denying claims and therefore not providing compensation that the claimant deserves
  • Delaying the processing of the claim or payments
  • Ignoring your attempts to contact them—not returning phone calls or emails
  • Making arbitrary demands for evidence of your injuries or for the amount of damages you sustained
  • Making threatening statements
  • Misrepresenting the law or policy language
  • Denying or delaying decisions on claims or requests for approval for medical treatment
  • Failing to conduct a complete and prompt investigation

It’s common for insurance companies to attempt to use loopholes in the insurance policy’s language to deny your claim or offer a much lower settlement than what your claim is worth. For example, the insurance company may assert that:

  • Your damages or injuries are expressly excluded from coverage under the policy
  • Your policy lapsed because you didn’t pay your premium, or there was a delay in the payment of your premium
  • Your injuries aren’t within the scope of your coverage, as per the insurer’s independent experts
  • Your damages are less than what you say they are

An insurance policy is a contract between you and the insurance company. If you fail to abide by the policy terms, such as by failing to pay your premium or not making a timely report of an accident, they can cancel your policy. However, if you are performing under the terms of the contract, they must do the same. If they are refusing to pay for your damages, accusing you of not paying a premium that was paid on time, or purports that you are inflating or making up your damages, they aren’t abiding by the contract. In this scenario, a New Jersey insurance claims lawyer could help you exercise your legal rights. 

New Jersey Insurance claims Attorney

If you are attempting to recover compensation from your insurance policy, contact the New Jersey insurance claims lawyers today at Varcadipane & Pinnisi, PC, for a free, no-obligation legal consultation. We can help you determine the best way to seek the compensation you are entitled to receive. Suppose your insurance company is acting in bad faith. In that case, we can help you pursue a bad faith insurance claim as well. You can count on us to be by your side throughout the entire process. We can be reached at 800-616-2916 or online.

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