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Has Your Claim Been Rejected by Your Insurer?

From individuals to large businesses, no one likes a disputed insurance claim. You pay your premium and expect coverage when you need it most. Unfortunately, there are often a lot of gray areas within insurance policy language and insurance companies can, at times, try to use a manufactured interpretation to deny your or your company’s claim. At Johnson Garcia LLP, we have handled disputed insurance claims for individuals, small businesses, and large corporations ranging from several thousand dollars up to several hundred million dollars. We know how to get you your money.

The difference you can expect at Johnson Garcia LLP is knowledge of the insurance industry. For over a decade, the lawyers of Johnson Garcia LLP were recognized as some of industry’s leading insurance litigators. We have deep and varied experience litigating disputes involving insurance policy interpretation for policies issued by U.S. domestic and international insurers, including those in London, Bermuda, and elsewhere.

lawyer meeting with clients

Why an Insurance Company Would Dispute a Claim

Insurance disputes are fairly common. It’s not unusual for disagreements to arise regarding the amount of a claim or even the validity of a personal injury liability or property/casualty claim. The insurance company may say that the accident was avoidable, or that there are no medical records to indicate an injury, or that you had a preexisting condition that is responsible for your injuries.

In some cases, their refusal is valid. At the very least, you must have medical records that prove your injuries. In other cases, a disputed claim is nothing but an attempt to save money by avoiding a legitimate claim. If you don’t know your legal rights, the insurer might be successful at undercutting your benefits.

You Have Rights

State governments closely regulate the insurance industry. There are things insurers can and cannot do when it comes to settling insurance claims. Of course, state laws governing insurance disputes can be complicated, and big insurance companies are well-versed in skirting the law without breaking it. That being said, you have rights, and it’s important to know what they are.

When you sign an insurance contract, the law expects that both parties will negotiate in good faith. A promise of good faith and fair dealing is handling your claims is part of the policy, even when not explicitly stated.

When insurance disputes are handled in bad faith—for example, when an insurance company has misrepresented its policy, when it creates unnecessary delays, or when it denies access to benefits for no good reason—then you have the right to seek legal redress. In other words, you have a right to a fair settlement based on the terms of your particular insurance policy. If the insurer denies your claim and refuses to provide an explanation, or if their reason clearly violates the policy or misrepresents the truth, then you should speak with the attorneys at Johnson Garcia LLP. Let our expertise and inside knowledge work to your advantage.

lawyer with contract

What’s the Nature of Your Dispute?

Personal

Disputes under personal lines policies can be time-consuming and distracting to your everyday life.  If you are getting the “run around” by your insurance company, call Johnson Garcia LLP now for a free case evaluation.  We can help with the following:

  • Personal Property/Casualty
  • Homeowner’s and Auto
  • Umbrella policies
  • Life insurance
Commercial

Insurance disputes can be time-consuming and a distraction from your business.  At Johnson Garcia LLP we try to cut through the chase to get your insurance proceeds as quickly as possible.  We know the insurance industry after years of representing insurance companies in the US and London markets.  Call us now for a free case evaluation and we can put that experience to work for your company.  Here are a few examples of matters we’ve handled over the years:

  • Property Damage Claims
  • Business Interruption Claims
  • D & O Claims
  • Indemnity Insurance Claims
  • Contractual Liability Coverage
  • Additional Insured Coverage
  • Multi-property hurricane damage claims
  • Offshore and marine claims
Small Business

Insurance disputes can be time-consuming and a distraction from your business.  At Johnson Garcia LLP we try to cut through the chase to get your insurance proceeds as quickly as possible.  We know the insurance industry after years of representing insurance companies in the US and London markets.  Call us now for a free case evaluation and we can put that experience to work for your company.  Here are a few examples of matters we’ve handled over the years:

  • Property Damage Claims
  • Business Interruption Claims
  • D & O Claims
  • Indemnity Insurance Claims
  • Contractual Liability Coverage
  • Additional Insured Coverage
  • Hurricane and storm damage claims
Energy Claims

When it comes to Energy and Marine Insurance, don’t waste your money hiring the large law firms where you’ll get billed by a team of litigators. At Johnson Garcia LLP you’ll enjoy the benefits of a more focused and lean approach by a litigation boutique with deep experience in both the energy and insurance industries. We know the Lloyd’s Market syndicates and companies, Bermuda, and the various domestic insurers who occupy the Upstream, Midstream, and Downstream Energy insurance spaces. Our experience ranges from drilling rig, pipeline, platform, and related onshore and offshore property damage to pollution, control of well, and removal of wreck claims. Whether it’s a free post-claim denial evaluation, pre-claim submission advice, or a jury trial, we will make sure you are well positioned for the maximum recovery under your policy.

Life Insurance

An insurance dispute is the last thing on your mind after the death of a loved one. Unfortunately, however, sometimes disputes can arise during the claim process and you will need support. Let the lawyers of Johnson Garcia LLP help you sort out your life insurance claim. Whether a family member or a disputed beneficiary, we will assess your claim and ensure that you are treated fairly by the insurance company. Contact us today for a free case evaluation by calling 832-844-6700.

Insurance Dispute Lawyers Helping Clients in the Houston Area