Personal insurance helps protect the finances of a person who faces an unexpected accident, injury or death. While it is often assumed that the insurance company will protect an accident victim’s best interests, insurance companies generally work to profit their own business and not the policyholder.
If your insurance claim has been either denied or significantly devalued, it may be in your best interests to contact an Avondale personal insurance attorney from Phillips Law Group. Our firm has nearly 30 years of experience and has assisted more than 155,000 clients throughout Arizona.
Our firm offers a 100 percent free, no-obligation consultation to discuss your situation. If you work with us, you will not be charged legal fees. We only get paid if we help you obtain compensation.
Give us a call to get started at 602-222-222 .
Getting injured in an accident can be a devasting experience that puts a toll on your finances. Having the insurance company deny your claim can make the situation much more complicating.
It may be possible that the insurance company is acting on bad faith, which may give you grounds to rebut the denial or devalued offer. Each personal insurance claims is unique, so it may be best to contact an Avondale personal insurance lawyer to get a better understanding of your situation. There are several factors we will take into consideration when reviewing your claim. These factors include:
Many other factors will be evaluated to determine if you have the option to take legal action against the insurance company. At Phillips Law Group, our attorneys are available to discuss these factors during a free consultation. We are here to help. Contact our team today.
Personal insurance includes any form of insurance that helps protect accident victims and their families from having to pay hefty, out-of-pocket expenses. Our firm has the knowledge and resources needed to tackle the following types of insurance claim disputes:
In Arizona, all drivers are required to carry at least the minimum amount of liability coverage. This includes bodily injury liability which covers the accident victim’s medical costs due to a crash caused by the policyholder. It also covers up to $10,000 of a victim’s property damage.
This type of insurance covers damages to a person’s property, whether damage is done inside the property or to the house itself. Home and rental insurance may also cover the possessions in the home, such as furniture, jewelry, clothing or electronics. It may also cover losses of a break in situation, an injured person’s losses if hurt on property, or damages caused by another accident.
Health insurance generally covers specific amounts for medical expenses and treatment. The amount and type of coverage varies between insurance companies and may cover the following:
In the event of a family member’s death, life insurance pays a lump sum benefit to the surviving family members or beneficiaries. It may cover burial and funeral costs, loss of the deceased’s income, the surviving family’s living expenses, mortgage or other related debts, among others. Unfortunately, there are many loopholes in this type of insurance, which may increase monthly premiums or make health requirements more strict when the policyholder gets older.
Catastrophic insurance provides Arizona residents compensation for damages obtained in natural disasters, such as storms, earthquakes and floods. Certain areas are at a higher risk of specific natural disasters than others, which is typically why these disasters are not covered with homeowners’ or rental insurance.
This type of insurance helps cover costs that are not typically covered by regular health insurance. It may cover certain chronic medical conditions, disability, or disorder. Long-term care services provide aid to individuals who are not able to perform basis daily tasks, such as eating, dressing, bathing or walking.
For questions about your insurance claim, call 602-222-222 today.
There are a number of reasons why insurance claims often get denied. Unfortunately, many insurance companies do not cater to the needs of the policyholder and will try to save their business money by avoiding payouts. An insurance adjuster may allege the following to avoid a payout:
If you have experienced any of these situations, we recommended contacting a licensed Avondale personal insurance attorney from our firm to discuss your situation. There is no risk in calling us.
An insurance policy is a mutual agreement between the insurance company and policyholder. The agreement is entered on good faith and filing a claim is only expected with a legitimate reason. The same is expected of the insurance company. If a claim is denied, the company should provide the policyholder with a valid reason for the denial.
However, insurance companies may act on bad faith and use unfair practices during the settlement process. Arizona protects policyholders from these bad faith situations under the Unfair Claims Settlement Practices Act (UCSPA). The following examples are unfair practices under UCSPA:
Each insurance claim is different and heavily depends on the type of policy coverage you have. However, there are certain practices you can keep in mind when signing up for an insurance policy or checking on your current one. Being proactive with your insurance policy is beneficial when it comes to accidents. These practices include:
At Phillips Law Group, we understand that it may be difficult to understand the factors of an insurance policy, especially when reviewing the fine print, which can cause confusion. Let us help.
If your personal insurance claim has either been denied or significantly devalued, do not hesitate to contact our firm for guidance on your claim. We have the experience and resources needed to help.
Your initial consultation with us is 100 percent free with no obligation to take legal action. If we represent you, you will not be charged any upfront fees. We only get paid if we help you win.
We are available to take your call 24/7 at 602-222-222 or chat online.
Available 24/7 
