Edmonds Insurance Claim Dispute Lawyer
Insurance policies are supposed to help those who file claims get back into the same condition they were in before the claim needed to be filed. Yet, this doesn’t always happen. Insurance companies don’t always want to take responsibility and pay what they should on the claim. If you’re fighting to get fair treatment, schedule a free consultation with an Edmonds insurance claim dispute lawyer. We want to help make sure that you’re treated fairly.
First and Third Party Insurance Claims
There are two main types of insurance claims: first party and third party. A first party claim is insurance that you have that covers your property. For example, if you own a home and have homeowner’s insurance and you need to make a claim, it is a first party claim. Your auto insurance policy is, for you, a first party insurance coverage. If you filed a claim with your own policy, it would be a first party claim. The insurance company has an obligation to act in good faith. That includes timely communication, completing their investigation within 30 days, and providing a timely payment on the claim. Third party insurance means the policy belongs to another person or business besides you. If you’re in a car accident and you file a claim with the other insurance company, that is a third party claim.
Injury Claims Are Most Commonly Disputed
Car accidents, pedestrian accidents, truck accidents, motorcycle accidents, and workplace accidents are the claims most commonly disputed. An Edmonds insurance claim dispute lawyer can help accident victims regardless of whether they’re still receiving medical treatment. Your lawyer can communicate with the insurance company with you on your behalf. You can focus on getting better while we talk to the insurance company about your injuries and your medical bills. Our job isn’t over when your medical treatment ends. We help protect your rights and ensure that you’re treated fairly by the insurance company.
What Are the Most Common Reasons Insurance Companies Deny Claims?
Insurance companies have a legal duty to act in good faith as we mentioned earlier. Yet, many times they try to deny valid claims. The most common reasons insurance companies attempt to deny claims are:
- Alleging that you refuse to cooperate with their investigation into your claim
- Denying the claim because it’s a third party claim
- Disputing the facts surrounding the claim
- Doing what they can to delay investigating the claim despite their legal obligation to complete the investigation within 30 days
- Allege that there was no insurance coverage for the incident
Should You Sign a Settlement Agreement?
You should not sign a settlement agreement with a first or third party insurance company without first having the agreement reviewed by a lawyer to make sure that it is fair and also in your best interest. When you sign a settlement agreement, you are bound to its terms. This means that you may not be eligible to receive future medical care for any injuries you may have. You also may not be allowed to file a lawsuit for damages.
Carefully consider your options, but make sure that you call us right away. We provide free consultations and we want to help you protect your rights!