Your Trusted Insurance Dispute Attorneys in Brandon, MS

Dealing with an insurance dispute can be overwhelming, especially when you’ve suffered a personal injury or property damage and are depending on your insurance company to provide the coverage you deserve. At The Stubbs Law Firm, our experienced insurance dispute attorneys in Brandon, MS are committed to fighting for individuals who have been treated unfairly by their insurance companies. We understand the frustration that comes with claim denials, delayed payments, and lowball offers, and we are here to help you navigate these challenges.

Common Reasons for Insurance Disputes in Brandon, MS

Insurance disputes arise for many reasons, and it's important to understand the most common tactics insurance companies use to minimize or deny claims. If you find yourself in one of these situations, The Stubbs Law Firm is ready to provide the legal assistance you need.

1. Denying Your Uninsured/Underinsured Personal Injury Claim

When you’ve been in an accident with an uninsured or underinsured driver, you expect your insurance company to step in and provide the coverage you’re entitled to under your policy. However, many policyholders in Brandon, MS face the frustrating situation of having their legitimate uninsured/underinsured claims denied. Insurance companies may argue that the injuries aren’t as severe as reported or that you don’t meet the criteria for coverage. Our team at The Stubbs Law Firm is experienced in dealing with these denials and can help you challenge the decision to seek the compensation you deserve.

2. Devaluation of Valid Claims

Another common issue is the devaluation of claims. After a car accident or other personal injury, insurance companies often try to reduce the amount they have to pay out by downplaying the extent of your injuries or damages. In Brandon, MS, this is a frequent tactic used to minimize payouts, leaving policyholders with less than they deserve. If you believe your insurance company is offering you an unfair settlement, our attorneys can step in and advocate for a more accurate assessment of your claim.

3. Delaying Your Claim or Payment

Delays in processing claims or issuing payments are another major concern for many people involved in insurance disputes. You may find that your insurance company is dragging its feet when it comes to approving your claim or releasing the funds you need to cover medical bills, lost wages, and other expenses. The longer these delays go on, the more financial pressure you may experience. At The Stubbs Law Firm, we understand the importance of timely payments, and we work diligently to hold insurance companies accountable for unreasonable delays.

4. Exaggerating Facts or Policies

Insurance companies may exaggerate the facts of your case or misrepresent their own policies to justify denying or underpaying your claim. For instance, they might claim that your policy does not cover certain treatments or damages, even when it clearly does. In some cases, they may attempt to shift the blame for an accident onto you in order to reduce their liability. Our attorneys in Brandon, MS are skilled at uncovering these deceptive tactics and ensuring that your insurance company adheres to the terms of your policy.

5. Unfair Settlement Offers

After filing an insurance claim, many policyholders receive settlement offers that are far below the actual value of their damages. Insurance companies know that people may be eager to accept a quick settlement to cover their immediate expenses, but these lowball offers rarely account for the full cost of medical bills, future treatment, property repairs, and lost wages. Our insurance dispute attorneys at The Stubbs Law Firm can help you assess whether a settlement offer is fair and, if necessary, negotiate for a better outcome.

6. Rejection of Medically Necessary Claims

Medical treatments can be expensive, and when your insurance company refuses to cover procedures or treatments deemed necessary by your doctor, it can put you in a difficult situation. In some cases, insurance companies may argue that certain treatments are not medically necessary in order to avoid paying for them. Our firm is experienced in fighting back against these denials and advocating for the coverage of essential medical treatments for our clients in Brandon, MS.