Insurance is one of those necessary evils that we all have to have. We
spend years paying into this system and when an accident or something
unfortunate occurs, we expect for the insurance company to honor their
end of the deal and pay. However, some of the more unscrupulous companies
have had a history of denying perfectly legitimate claims. They use several
different techniques to unfairly deny you your rightful claim. California
residents who feel they have been unfairly treated by their insurance
company should read on to see a few of these tactics and discover how
a personal injury lawyer can help you.
Exclusion applies to certain claims that are purposefully omitted in a
policy. Ideally, these exclusions are stated clearly and in forthright
language. However, sometimes insurance companies will hide these clauses
in fine print and use dense, vague language to intentionally mislead policy
holders. Sometimes, though not always, these exclusions can be illegal.
Insurance companies have been known to dismiss a claim based on these
hard-to-find exemptions. Due to the verbose nature of many insurance policies,
it is often difficult for someone without knowledge of the applicable
laws to find and recognize these exemptions.
More often than not, when a policyholder must file a claim, it is after
a traumatic event such as a car wreck or homeowner’s accident. These
unfortunate life events do happen, and we tend to not be in the best frame
of mind in the immediate aftermath. When we file the proper claims in
these conditions, we are usually not thinking clearly or are distraught.
In these circumstances, it is very easy to make a mistake in our claim.
Insurance companies can, and have, denied claims outright based on small
technicalities such as dates and times. In the trying times immediately
following an accident, it is a good idea to have somebody on your side
that knows the proper channels and can do the leg work of filing a claim
without making mistakes that could cost you your entire claim.
Certain insurance companies will deny claims based on the fact that the
policyholder was engaging in a “high risk” activity, such
as riding ATVs or certain adventure sports. While these particular exemptions
may not be specifically mentioned in your insurance policy, an insurance
company might try to deny your claim based on this. If they deem you,
the policyholder, to be “at fault,” they will attempt to deny
your claim. They will claim that there may be something in your policy
that absolves them of having to pay you. A personal injury lawyer will
know to aggressively fight this assertion and not just take the insurance
company at its word.
Consult a Personal Injury Lawyer at The Dunnion Law Firm
For more than forty years, The Dunnion Law Firm has been representing personal
injury cases in central California. We have the knowledge and experience
to make sure that you are well represented and get the compensation they
are rightly owed. We have recovered over $300 million for our clients.Contact us today to set up a free consultation with one of our highly skilled personal
injury lawyers and get the assistance you need in your insurance dispute.