Reasons for Disputed Injury Claims
If you or a loved one has been seriously injured, you could be eligible to receive compensation. However, it can be very frustrating if an insurance company disputes or denies your claim. Unfortunately, these things can happen, which is why an Edmonds insurance claim dispute lawyer will be your greatest adversary to receiving the full compensation you deserve. Here are some of the common reasons for disputed injury claims in Washington.
Reasons for Disputed Injury Claims | Types of 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.
Reasons for Disputed Injury Claims | Common Examples
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
Reasons for Disputed Injury Claims | Hire a Lawyer
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!