When you buy insurance, you contract to pay premiums for coverage. Despite insurance companies’ promises that ‘you are in good hands,’ when people make legitimate claims, many are left out in the cold. Although you have paid years and years of premiums, insurance companies know most individuals are intimidated by the thought of suing a huge corporation. They know they can delay or deny claims and that many people will give up.
At Crosby Law Office, I’m not intimidated. I’m attorney Joe Crosby and I have more than 30 years of experience protecting the rights of ordinary policyholders and demanding that these companies fulfill their obligations under their contract of insurance.
Maybe Not So Good Hands
Insurers make money by not paying claims. When you present a claim, the insurer is looking for reasons to deny your claim. Insurance policies are often very long documents, with many sections and clauses. Insurers hope you do not fully understand the terms of the contract or that you will make errors when submitting a claim that they can use against you to later deny your payment.
Your Insurance Company May Not Be Your Friend
Remember, in one sense, your insurer’s employees have a built-in conflict. While they are obligated to fulfill the terms of the insurance policy, they also have a very strong interest in finding reasons to not pay your claim. This is why you may want to speak with an attorney before you make some claims. Insurers will often ask you to record a statement of what happened during an accident.
After a serious accident with significant injuries, this may not be a good idea, as you make say things or be confused regarding your case. These honest mistakes or inadvertent errors could later be used to deny an otherwise valid claim. Talk to me first and I may be able to help you and protect your claim.
Contact Me Today
Contact me if you believe your insurance company is not living up to the promises made regarding the coverage provided. Call my St. Paul office at 651-225-1860 or make an appointment online. I’m centrally located on Cleveland Avenue and I am honored to help you.