We have seen and heard all of the catchy insurance commercials:
“Your in good hands with Allstate”,
“Like a good neighbor Statefarm is there.” or how can we forget the indelible gecko from GEICO.
Their marketing agencies have done a spectacular job to engrain in our brains with the catchy melody and slogan – even my 5 yr old hums the melody. It is all part of a master strategy to get your hard earned dollars with the illusion that when it’s time to cover a claim, they will. This could not be further from the truth.
Insurance companies have every angle covered on how they handle a claim. This includes knowing the percentage of claimants who will not proceed with a claim when it is denied. What adds insult to injury is that the claims adjuster have money to offer but won’t since the odds are on there side.
So what should you do if your insurance claim is completely denied?
Immediately hire an experienced lawyer that can handle your claim. However, the attorney has to be a litigation attorney. Insurance companies already have a database of which lawyers actually litigate cases. At Black Rock Trial Lawyers we benefit from our daily litigation practice in state and federal courts to get the insurance companies attention.
Filing suit and litigating the case is the only way to force the insurance company to pay attention to the claim. In a lawsuit we use discovery methods such as depositions and subpoena powers to obtain the information and documents we need to prove our case. As the insurance companies defense attorneys see that we are officially exposing their weakness, the checkbook begins to open up (but not completely).
Every case we litigate we are always
preparing to go trial. Some insurance companies will only offer their top dollar on the eve of trial. But the majority of the cases will settle at mediation.
It is frustrating to see our clients have to go through the agony of the unknown in a denied claim. But with a go-to trial mindset, we can turn a denied claim into a compensable one.
If you have had an insurance claim denied, contact us for a free consultation. We take these cases on a contingency retainer so you do not have to worry about paying any monies upfront to hire us (or to cover costs).
Gil Sanchez, Esq.
CEO | Senior Managing Partner