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When an insurance company denies a valid claim or refuses to pay the full value of a claim, it can leave a policy holder in a difficult financial position.
At Messier, Massad, Burdick & Assoc. LLC, experienced insurance attorneys have been helping residents in Connecticut and Rhode Island fight against insurance companies that drag their feet or act in bad faith.
Contact our law firm today for a free case evaluation.
Why Insurance Companies Pay Less than Your Claim is Worth
Like any business, insurance companies are driven by profit. At a high level, this means that they are motivated to collect as much money from policyholders as possible, while paying the minimum amount in claims.
It is common to see these situations occur in personal injury cases, where victims are desperate to get cash in hand to replace a vehicle, pay medical bills, and get back on their feet.
Our team of attorneys is experience in handling various forms of insurance claims including homeowner’s insurance claims, motor vehicle liability claims, and more.
If you’re entitled to more than the insurance company offers or the insurance company has denied your claim in Connecticut or Rhode Island, an insurance attorney from Messier, Massad, Burdick & Assoc. LLC can step in to negotiate on your behalf or file a lawsuit so that you can recover the fair value of an insurance claim.
Insurance Policyholder Rights
As a policyholder, you are paying monthly insurance premiums, entitling you to certain rights – both under your policy and Connecticut and Rhode Island state statutes.
Generally speaking, an insurance company has a fiduciary duty to thoroughly investigate your claim and issue a settlement check promptly upon completion of the investigation. A failure to do so demonstrates a disregard for your best interests.
When insurance companies are unduly driven by profit or are not diligently in their claims procedure, the company may act in bad faith.
Examples of bad faith include:
- Denying a valid claim
- Paying less than the value of a claim
- Delaying payment
- Failing to fully investigate a claim
- Altering policy terms
- Asserting that damage or injuries existed prior to your claim
- Making claimants jump through excessive hoops to get their settlements
- Harassing claimants during the investigation
- Accusing claimants of arson or falsifying evidence
How an Insurance Attorney Can Help
The first step in an insurance dispute is to review your policy to determine your insurance coverage. There can be fine print that helps or harms your case. We also review your policy to detect any clauses that are illegal or in bad faith.
Another critical role an insurance attorney plays is to analyze any estimates provided by the insurance company and compare them against what our experience and the data suggest is fair.
Our attorneys can negotiate on your behalf and pursue litigation on your behalf if necessary.
Choose an Insurance Attorney that Protects Your Rights
At Messier, Massad, Burdick & Assoc. LLC, we represent clients across Connecticut and Rhode Island who have been unfairly wronged by insurance companies. We have two convenient offices in East Greenwich, RI, and New London, CT, and the attorneys serve clients across both states. Call 401-385-3877 (RI) or 860-443-7014 (CT) to tell us about your needs and schedule a consultation.