Insurance Dispute

New Jersey Insurance Dispute Attorneys

Individuals and businesses purchase insurance because they are led to believe that it will give them protection if certain things happen. This is what the insurance company would have you believe when they sell you the policy and collect your premiums. In practice, it can be much more difficult than that. No matter the type of insurance involved, you are dealing with a company that has its own financial considerations. The less they pay out, the more money they make. This is why you may need a lawyer when you are making an insurance claim.

You may need a New Jersey insurance disputes attorney for various types of insurance claims, including:

  • Business
  • Property
  • Homeowners
  • Casualty
  • Life
  • General liability

Reach out to Varcadipane & Pannisi, P.C., for assistance today.

Why Are Insurance Claims So Difficult?

The principles are all the same for every type of insurance. Insurance companies do not make profits by paying claims, so they will make it difficult to obtain a fair settlement.

Insurance companies make life difficult for their policyholders in a number of ways. These include:

  • Unreasonably denying claims in bad faith
  • Requiring more documentation than necessary to justify your claim
  • Paying you less than you deserve under the policy
  • Delaying the process of paying your claim

In a best-case scenario, you can present your claim after you have suffered a loss, and the insurance company will compensate you for your damages. In practice, this rarely happens. However, the insurance company is in a contractual relationship with you. Even though they may be unreasonable and difficult, you have legal rights under the contract. Every insurance company has pressure points that may force them to do what they have promised. First, you will need a lawyer to help protect you.

Every insurance claim is a delicate game on their part. Their adjusters are there to look after their own interests. Even if they decide to pay out a claim, they are looking to pay the minimum amount of money to make you go away. Most often, this is just a fraction of your damage.

Expect to Go Back and Forth with an Insurance Claim

In many ways, the insurance claims process is a negotiation between you and the insurance company. It is never as simple as submitting a claim and receiving a check. This is an expectation that you should build into the process. You will likely have to reject at least one settlement offer before you agree on an amount with the insurance company. It is crucial to get enough money because you will sign a release when you accept their offer.

Sometimes, it is inevitable that an insurance claim will turn into an insurance dispute. However, the insurance company does not have the final say over whether you may receive money for your claim and how much you get. Ideally, you would agree with the insurance company on the payment. If that is not possible, you have legal rights. The insurance company cannot simply do whatever it wants when you are owed money under the terms of your policy.

Insurance Companies Must Follow the Policy and the Law

Insurance companies are bound by:

If they violate any of them, you have the legal right to file a lawsuit. Insurance companies anticipate this. While they do not like lawsuits, they also have battalions of insurance defense law firms on their payroll, ready to take their cases. In many cases, they will ultimately settle the claim because litigation can be a big expense for them. However, when they do fight you in court, you need a tough and NJ or NYC experienced lawyer. Their attorneys usually do nothing but defend insurance companies, so you must have a lawyer who knows how to beat these giants. Just because they are big does not mean that they will automatically win.

Work with New Jersey Insurance Disputes Lawyers

If you have a large claim or are getting a runaround from an insurance company on any matter, you need legal help. The experienced lawyers at Varcadipane & Pinnisi know exactly how to deal with insurance companies that are stringing you along by dragging their feet. We know how to take them on to protect your rights. Call us today at (800) 616-2916 or contact us online to get the help that you need with your insurance dispute. You do not have to take what you are given by the insurance company. Sometimes, you need a tough litigator to get the job done.

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