Insurance Attorney in Philadelphia
2005 Market Street, Suite 350
Philadelphia, PA 19103
- The Fee Is Free Unless You Win®.
- America's Largest Injury Law Firm™
- Protecting Families Since 1988
- 20 Billion+ Won
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Philadelphia Insurance Claims
How it works
It's easy to get started.
The Fee Is Freeâ„¢. Only pay if we win.
Results may vary depending on your particular facts and legal circumstances.
Step 1
Submit
your claimWith a free case evaluation, submitting your case is easy with Morgan & Morgan.
Step 2
We take
actionOur dedicated team gets to work investigating your claim.
Step 3
We fight
for youIf we take on the case, our team fights to get you the results you deserve.
FAQ
Get answers to commonly asked questions about our legal services and learn how we may assist you with your case.
Why Was My Insurance Claim Denied?
Unfortunately, insurance companies often interpret and manipulate the language in their policies to minimize or deny valid claims. Insurance providers have a significant self-interest to protect their cash reserves and to avoid payouts to policyholders. When an insurance company denies or undervalues a claim, they may allege that:
- There was a material misrepresentation in the policy itself, excluding coverage for this particular claim;
- There was a failure by the insured to pay policy premiums on time which caused coverage to lapse; or
- The injury falls outside of the scope of coverage.
Do I Have a Bad Faith Claim or Unfair Claims Handling Case?
Under Pennsylvania law, an insurance company has violated the implied covenant of good faith and fair dealing if it did not act fairly and honestly toward its policyholder in response to a claim. In many cases, policyholders believe they have a bad faith claim against their insurer if a claim is denied; however, this is a common misconception.
It is more likely that, if a claim has been wrongfully denied, a breach of contract or unfair claims denial case should be pursued. In most cases, bad faith claims are handled by our personal injury attorneys, not the attorneys in our insurance dispute department; however, some bad faith claims will fall under the umbrella of our insurance dispute attorneys. It is important to contact us to determine which type of claim best fits your situation.
Most states, including Pennsylvania, have adopted the Unfair Claim Settlement Practices Act and augmented the law to protect the rights of insured policyholders within the state. Unfair claims handling occurs when an insurance company attempts to avoid paying valid claims or reduces the payment to their own policyholders. Examples of unfair claims handling include fraud, misleading or deceiving a policyholder, neglect or refusal to fulfill a contractual obligation, or the conscious wrongdoing by the insurance company.
What Types of Insurance Disputes Does Morgan & Morgan Handle?
At Morgan & Morgan, our attorneys are committed to helping clients settle insurance claims disputes in a wide range of practice areas. The following is a non-exhaustive list of the types of insurance disputes handled by the attorneys in our Pennsylvania offices:
- Homeowners and Business Property Losses
- Unfair Claims Handling and Bad Faith
- Disability Insurance
- Employee Retirement Income Security Act (ERISA) Claims
- Professional Liability Coverage
- Errors & Omissions Coverage (E&O)
- Personal Insurance Protection
- Uninsured Motorist Coverage
- Car Insurance Coverage
- Medical Billing
- Health Insurance
- Life Insurance
- Fire Damage
- Hurricane and Windstorm Claims
If you believe that you are being treated unfairly by your insurance company, please do not hesitate to contact our Philadelphia office to find out if an experienced insurance dispute attorney may be able to help.