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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 dispute lawyer for various types of insurance claims, including:

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

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

What is an Insurance Dispute?

An insurance dispute arises between a policyholder and the insurance company regarding a claim. It typically involves an insurer denying a claim, undervaluing a claim, or delaying the claims process. Sometimes, an insurance dispute might allege bad-faith practices on the part of the insurer in violation of the law.

These disputes can be complicated and stressful for policyholders, especially when they are already dealing with a costly loss or tragedy. Always seek help from a New Jersey insurance disputes lawyer from Varcadipane & Pinnisi, PC.

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Retaining an attorney to handle your insurance dispute can significantly increase your chances of a favorable resolution. We can interpret insurance policies, gather evidence, negotiate with the insurance company, and file a lawsuit if necessary. By having our legal team on your side, you have the best chance of receiving fair compensation for your losses.

Remember, you shouldn’t have to face an insurance dispute alone when a commercial litigator attorney is just a phone call away.

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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 New Jersey or New York 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.

dispute insurance claim

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. With very little information, we can quickly tell you what services we offer for your unique situation and what you can expect to incur in fees and expenses throughout your legal matter. 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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In The Media

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DECEMBER 9, 2019

Dawn Pinnisi Rehabilitates Personal Injury’s Image

At Varcadipane & Pinnisi, Dawn Pinnisi fights back against the public’s misconceptions of personal injury lawyers, dedicating her life to easing her clients’ burdens.

When Dawn Pinnisi started her career as a young lawyer in 2000, what struck her the most was the dearth of female colleagues in her line of work. “When I entered the trial part courtroom, I could count on one hand the number of women in the room,” she says.

Now, as a founding member of the New York and New Jersey-based litigation firm Varcadipane & Pinnisi, PC, she works tirelessly to not just advocate for her clients, but for other women in the legal field as well.

read the article

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 many 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.

Common Types of Insurance Claims that Might Lead to Disputes

Understanding the common types of insurance claims can help you navigate the process and ensure that you receive the coverage you deserve. Here are some of the most common types of insurance claims:

  • Business: If your business property is damaged or destroyed due to fire, vandalism, or natural disasters, you may need to file a claim with your insurance provider to recoup your losses.
  • Auto: When you are in a car accident, you will likely file an insurance claim with either your own provider or an at-fault driver’s provider to cover the costs of your injuries and property damage to your vehicle.
  • Homeowners: Whether it’s damage from a storm, a burglary, or a burst pipe, homeowners insurance can help you recover financially. You’ll need to provide documentation of the damage and work with your insurer to assess the extent of your losses.
  • Casualty: Casualty insurance typically covers liability for bodily injury or property damage caused by an accident or negligence. If someone sues you for damages, having casualty insurance can help protect your finances and cover legal expenses.
  • Life: Life insurance claims are filed by beneficiaries after the policyholder passes away. These claims provide financial support to the loved ones left behind, helping cover funeral expenses, outstanding debts, and ongoing financial needs.
  • General Liability: General liability insurance protects businesses from claims of bodily injury, property damage, or personal injury. If someone is injured on your property or files a lawsuit against your business, general liability insurance can provide coverage.

Statute of Limitations for Insurance Dispute Lawsuits in NJ

If you’re dealing with an insurance dispute, you might have to file a lawsuit in civil court. This means you should know the statute of limitations for this type of case in New Jersey. The statute of limitations is the time limit you have to file a lawsuit against your insurance company, and in New Jersey, it is generally six years from the date of the denied claim.

Filing a lawsuit can be a complex and time-consuming process, so act promptly if you believe you have a valid insurance dispute. Waiting too long to take legal action could result in your claim being barred by the statute of limitations.

Having an experienced attorney by your side can greatly improve your chances of success in an insurance dispute. We can guide you through the legal process and ensure you meet all deadlines.

How to Prove You Have a Valid Insurance Claim

If you find yourself in an insurance dispute, you must be able to prove that you have a valid insurance claim for a favorable outcome. To ensure that your claim is recognized and honored by the insurance company, you want a skilled insurance disputes attorney on board to gather the necessary evidence and present it effectively.

Your lawyer will first get a clear understanding of your insurance policy and its terms to ensure your claim falls within the scope of your policy. Next, they will document the details of the incident or loss that led to your claim. The more comprehensive and accurate your documentation, the stronger your case will be.

Insurance companies can deny or undervalue valid claims, and your attorney will be ready with all of this supporting evidence if your insurance dispute escalates into a court case. The most important thing is to have a trusted attorney from Varcadipane & Pinnisi, PC handling your claim immediately.

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