What type of insurance disputes does Morgan & Morgan handle?

Yes, first-party insurance disputes are very much part of what we do. Unfortunately, insurance companies are not usually the easiest to deal with. The most frustrating thing is that purchasing first-party coverage does not change anything; these companies are mostly nice to their clients only when receiving premiums, not when paying out what they owe.

Therefore, having a Morgan and Morgan attorney is vital to your case. We can fight for you if you have a valid insurance case, whether a first-party or third-party claim.

There is a common misconception that when an insurance company denies a claim, they have acted out of bad faith. But sometimes, when insurers deny claims, a bad faith lawsuit is not usually the first course of action to take. Instead, this could be a case of breach of contract.

For instance, if you have PIP insurance and get injured in an accident, your insurance provider should compensate you for your medical expenses per your contract. However, this will also depend on whether you followed the terms of the agreement.

In most PIP insurance policies, policyholders must seek medical attention within two weeks of the accident. Failure to seek medical attention within this timeframe could prompt the insurer to deny the claim. Therefore, this is not a case of bad faith.

But let’s say you followed all the rules, but the insurance company still won’t accept to settle. Rather, they resort to various tactics to frustrate the claims process. In that case, you might have a valid bad faith insurance claim.

Insurance companies use different tactics to deny valid claims. Some of these tactics include but are not limited to:

• Denying a claim without providing a reason
• Delaying settlement of a valid claim
• Threatening the claimant
• Delaying their decision on claims or requests for approval of medical treatment
• Failing to investigate insurance claims
• Misinterpreting insurance laws or policy lingo

Contact Morgan & Morgan if your insurance provider has used any of these tactics to deny your claim or pay you less than what you deserve. We might be able to fight back.

The damages our attorneys might be able to help you recover will depend on the specifics of your case. Typically, policyholders can recover both economic and non-economic damages. Examples of economic damages include medical expenses, transport expenses to and from medical appointments, lost wages, loss of earning potential, cost of medical equipment, etc. Non-economic damages include pain and suffering, emotional distress, permanent disfigurement, and loss of enjoyment of life.

The court might also award you punitive damages if the insurance company’s conduct was extremely reckless or unacceptable by industry standards. These damages are meant to punish the defendant for their conduct if the court determines that they were grossly reckless or negligent. Other than punishing the defendant, punitive damages also help warn other parties that they will be held responsible if they act recklessly or negligently.

If you file a claim with an insurance company and they agree to settle, this does not necessarily mean they did the right thing. However, this will also depend on the nature of your case. For example, if you got involved in a minor car accident and did not suffer any injuries, you can file a claim with the other driver’s insurance company (or your own insurer). In that case, they will likely agree to repair your car and close the case.

But things could be different if you suffered significant body injuries due to the accident. If the insurance company agrees to settle your medical bills, chances are they want to close the case as soon as possible, preventing you from claiming other damages. It is also important to note that the initial offer from the insurance company is not always accurate; these companies make money by limiting the amount they pay out to claimants and increasing the premiums they receive from their clients.

Therefore, it is always advisable to consult an experienced attorney before accepting the settlement offer, especially if you have suffered serious injuries or lost a loved one. An experienced attorney will review the facts of your case, including the insurer’s settlement offer, and determine whether you deserve more.

At Morgan & Morgan, we offer our legal representation services on a contingency basis. This means you do not owe us anything unless we win. So if you or your loved one has a valid case against an insurance company, contact us for a free case evaluation.