Insurance Dispute Attorneys
Offices in Flowood, Mendenhall, Prentiss, and Magee, Mississippi.
Your Local Insurance Claims Lawyers
Insurance policies are designed to protect a multitude of assets. If you have ever filed an insurance claim, you know the process is complicated and frequently the subject of dispute. The Stubbs Law Firm has a track record of success guiding local clients through:
Automobile insurance claims
Homeowner's insurance claims
Health insurance claims
Disability Benefits
Commercial insurance claims
The Stubbs Law Firm offers Free Consultations for all Insurance Claim Disputes.
If you have an issue with Farm Bureau, Allstate, Progressive, Geico, State Farm, Nationwide, Farmers, Safeway, Safeco or any other insurance provider in Mississippi, call us today to discuss your claim for free.
All insurers in Mississippi are obligated to act in good faith and cooperate with their policyholders when resolving insurance claims. However, not all insurance companies act in good faith, and oftentimes engage in deceptive and unethical practices to maximize their own profits.
Common examples of an insurance company acting in bad faith include:
Denying your uninsured/underinsured personal injury claim
Devaluation of valid claims
Delaying your claim or your payment
Exaggerating facts or policies
Unfair settlement offers
Rejection of medically necessary claims
As bad as it sounds, insurance companies may also deny claims solely because they believe you are not in a position to assert your rights or supply the necessary evidence to support your claim.
This is the exact reason why it is critical you team up with an insurance dispute lawyer who has experience navigating the insurance claims process. The Stubbs Law Firm can protect your interests and protect your legal rights when dealing with an insurance company acting in bad faith.
Our attorneys are available today to represent policyholders currently in a dispute with an insurance company.
Why Insurance Companies Deny Claims
There are several reasons insurance companies may deny claims. Typically, the company searches for any reason they can find to avoid a payout. Some of these could include:
Policy Exclusions: Claims may be denied if they fall under specific exclusions detailed in the insurance policy. These exclusions may be certain types of damages, pre-existing conditions or activities not covered by the policy.
Lack of Coverage, Misrepresentation or Fraud: If the claim does not meet the criteria for coverage as defined in the policy, the insurance company may deny it. A rejection could also be due to incorrect or incomplete information provided during the application process.
Failure to Meet Policy Terms: Policyholders must fulfill specific requirements. If these terms are not met, it may not be considered a valid claim.
Our insurance lawyers can help minimize the risk of claim denial and advocate on your behalf if your claim is denied.
When to Hire a Lawyer for an Insurance Claim
A lawyer can provide valuable guidance and ensure you understand your rights and options. When you have suffered significant injuries or damages, we can advocate for fair compensation and protect your interests.
If an insurance provider undervalues your claim or engages in bad faith practices, we can take the necessary action to uphold your legal rights. In cases involving business interruption or liability disputes, our experience in insurance law can help negotiate adequate compensation.
Engaging us as your insurance dispute attorneys ensures you have the support to navigate the insurance claim process effectively.
Steps to Settle an Insurance Claim
The basic steps may vary depending on the type of insurance, the circumstances surrounding the claim, and where the claim is being filed.
Claim: Notify your insurance provider about the incident. Gather any evidence or relevant documentation to support your claim and then file it. Be thorough when reporting any loss or damages.
Evaluation and Negotiation Period: The insurance company will have an insurance adjuster review the policy and estimate the losses before offering a settlement. If there are any discrepancies between their offer and your expectations, our lawyers can help you negotiate an acceptable amount.
Settlement: Once an agreement is reached, get it in writing and ensure all necessary paperwork is completed to close the claim.
Mississippi Insurance Disputes: Time Is Not On Your Side
It is common for insurance companies to impose deadlines for filing a claim or appealing a claim. If you miss a deadline, your claim may be canceled. There are also constraints in Mississippi, known as statutes of limitations, that limit the amount of time a policy holder has to file a lawsuit when a dispute arises.
Taking these factors into consideration, time is of the essence when it comes to protecting your legal rights. If you believe you have a valid claim that has been denied in bad faith, it is critical to reach out to a local lawyer with proven success handling insurance disputes.
Your insurance company spends vast sums of money and resources denying claims, knowing that many policyholders will either give up or not have the resources to fight back. The sooner you consult with an experienced attorney, the sooner you can even the playing field with the insurance company and show them that you have a legal solutions team who will fight for what you are owed.
Contact the Insurance Dispute attorneys at The Stubbs Law Firm today.
Let the attorneys at The Stubbs Law Firm, PLLC manage your insurance dispute and act in your best interest. Call us at 1-844-STUBBSLAW (844-788-2275) to set up an appointment at one of our locations.
The Stubbs Law Firm provides legal solutions in central Mississippi for all matters related to insurance disputes, personal injury, criminal defense, DUI defense, wrongful death, family law, and workers’ compensation claims.
