Lake Havasu City Personal Insurance Lawyer

Insurance is supposed to provide a financial safety net after a severe accident or injury, including a fatal injury. Many accident victims struggle to obtain coverage because their insurance companies act in bad faith and deny their claims.

If this happened to you it is important to talk to a Lake Havasu City personal insurance lawyer to find out if you may have legal recourse. At Phillips Law Group, our lawyers can review your claim during a 100 percent free, no-obligation consultation.

Over the past 27 years, our firm has worked with more than 155,000 clients, helping obtain compensation for their damages. We have decades of combined experience negotiating with insurance companies that try to pay out the smallest amount of compensation possible. Founder Jeffrey Phillips is a member of the National Trial Lawyers Association ”“ Top 100.

If you have a valid case and hire our firm, you will not be charged upfront fees. We only get paid if we help you obtain a settlement.

Call us today to set up your free consultation: 602-222-2222 .

How Do I Know if I May Have a Case?

This is a complicated question to answer and requires our attorneys to review the factors involved in your accident, the insurance coverage that may apply and the reasons why the insurance company has not provided compensation to you.

Some of the other factors we may consider when discussing your situation in a free consultation include:

• Reasons the insurance company gave for the denial of your claim
• If the insurance company unnecessarily delayed your payments
• Whether the insurance company conducted a reasonably thorough investigation
• Whether the insurance company withheld information about your policy

After reviewing the details of your claim and accident, we can gain a better understanding of whether you may have a valid claim.

Contact our Lake Havasu City personal insurance lawyers by phone: 602-222-2222 . There is no upfront fee so there is no risk to you.

Types of Personal Insurance Coverage Disputes

We are committed to helping accident victims recover compensation to help them deal with the financial impact of their injuries and/or property damage.

We are prepared to resolve a variety of personal insurance disputes involving the following types of insurance coverage:

• Health insurance ”“ Health insurance helps cover a portion of a patient’s medical expenses and treatment. It may cover costs associated with prescription medication, emergency services, laboratory tests, and medical devices, among many other costs. Unfortunately, many insurance companies will say that a certain treatment is cosmetic or experimental and not covered under the policy.
• Home / rental insurance ”“ These types of insurance may cover the cost to repair or replace your home or personal property. This type of insurance coverage often applies to natural disasters and break-ins. However, many of these policies have fine print that excludes certain situations from coverage, and insurance companies do not tell policyholders about these exclusions. That is why is it important to thoroughly review an insurance plan before signing up for it.
• Auto insurance coverage ”“ In Arizona, drivers are required to have at least the minimum amount of liability coverage. This covers the medical costs of a driver injured in an accident caused by the policyholder.
• Disability / income insurance ”“ When a person becomes temporarily or permanently disabled and is unable to return to work, he or she may apply for disability insurance, which typically covers a percentage of lost income during the period of disability. It may also help to pay for things like physical therapy and medication costs that are not covered by your health insurance.
• Life insurance ”“ If the policyholder passes away, life insurance pays a lump sum to the beneficiaries or surviving family. This may help cover costs for funeral and burial services, mortgage, loss of income and other expenses. Life insurance companies often try to exploit loopholes in these policies to avoid paying benefits.
• Long-term care insurance ”“ Long-term care pays for care for those who are unable to perform daily activities themselves, such as bathing, eating or walking. These services are typically not covered under medical insurance.
• Catastrophe insurance ”“ Catastrophe insurance helps cover victims affected by natural disasters like floods, fires, storms and earthquakes. Compensation is generally provided for the damages sustained.

If you have questions about your policy or are struggling to recover compensation you may be eligible to receive, we recommend that you speak to an attorney at our firm right away.

We understand how insurance companies operate and are here to help and provide answers to your questions.

Why Do Insurance Claims Get Denied?

Insurance companies tend to look out for their best interests, which is why many insurance claims are denied.

Some of the reasons insurance companies often give for why claims are denied include the following:

Sometimes these are legitimate reasons for a denial, but oftentimes they are not. The insurance company is simply trying to save itself money.

It is very difficult for accident victims to determine what is going on without assistance from a licensed attorney. You can contact Phillips Law Group anytime to schedule a free meeting with an experienced Lake Havasu City personal insurance lawyer.

Reach us by phone at 602-222-2222 .

Morgan W.

I felt they were more my friends than my personal injury lawyer and that isn't something you're taught it's something you have inside. If I ever needed a lawyer again Phillips Law Group Injury Lawyers would be my only choice. I can't recommend them enough. They are professional on every level and compassionate throughout. Thank you for everything.

Blanca D.

When in pain because of an accident all you want to do is focus on getting better and that is what did thanks to this firm. My family and I were set up with a Dr and Chiro right away. The treatment we received was great. I am extremely thankful for all the help we received and the outcome on the cases. Thanks to everyone involved on my case. A special thanks the intake specialist Rosalba who was very kind on the phone when I first called. I highly recommend this firm to anyone, they treat you like family.

Erika A.

I am so thankful for Ruthann and Maria. They both were amazing throughout the process. When Maria took over my case, I felt like I was being treated with empathy about my pain and experiences while treating. She also made sure to answer my questions. Maria always responded to my communication attempts and answered questions I had as they came up. She helped me with things I needed in regards to my case and helped ease the anxiety as bills piled up and my injuries were still being treated. I was able to contact her as I was treating and she helped find providers closer to my home to make it more accommodating for me. This helped me juggle work...

Santana D.

Ruby, Jennifer, Angela did me great over at this law firm. I will recommend them to anybody that has been in an injury in Phoenix Arizona they are awesome 😎. Got paid 6 months after my accident. Then out of the blue a couple years later they still contract me with another check $$$$$🤑😎🤑. Thank you....

Yunior R.

Philips Law Group offers outstanding customer service and a profound knowledge of personal injury law. Right from the initial call through to your office visit, they ensure you feel well-supported. A special mention goes to Ilse, the client experience coordinator. Her expertise in insurance policies is remarkable, and she articulately explains them in both Spanish and English. She skillfully navigates you through the process with empathy and understanding. A heartfelt thanks for the exceptional experience!

Art R.

Phillips was able to get me a good settlement after the first law group I called completely failed. Highly recommend you give them a call after your personal injury.

Rebecca M.

Philips was an awesome choice got me into the doctors offices for visits quickly and efficiently. I also want to give a big shout out to Michael the negotiator for Philips he went above and beyond to help my case get to the finish line! Also want to thank Jason and the friendly front staff.

Vallery A

Throughout the most stressful time Carmen and Donato managed to get me to the correct doctors and get the correct care I needed to make the whole process smooth and less stressful. They always answered any question or concern with professionalism and courtesy. They always valued my time as I valued theirs. Definitely recommend this great firm!

Martin K.

I'm sincerely grateful to my noble Phillips Law firm legal experts for their integrity n intelligent work for making my accident to not go free in my paint injuries. God richly bless them, for bring settlement big cash to me.

Latosha E.

What can I say about Phillips Law group. I was involved in a major car accident and sustained injuries. I looked up for Law Firms in Arizona and stumbled across Phillips Law Group. I decided to give them a call about my accident, and they were very respectful and took in my case immediately. They assigned me Tim LeDuc to represent me. From the beginning, he was very responsive and made sure to give me the proper care I deserved from this accident. Him and his team fought tooth and nail to give me the best settlement I deserved. I am so thankful, and I highly recommend Phillips Law Group to represent anyone who has been in any accident and...

Emily N.

My case closed yesterday and I RAN to make this review because of how exceptional my experience has been with Phillips Law Group! I received the best settlement I could've hoped for and am extremely happy with the outcome; but I especially wanted to shout out and give praise to Julianna, the Litigation Paralegal on my case. From the moment Julianna was assigned to my case almost two years ago, until the completion of the settlement process yesterday, Julianna's commitment to exceptional customer service, clear communication, and unwavering support truly stood out. I had so many questions -- from the legal process, to where to seek medical treatment, to questions about medical bills, to the negotiation process, and more --...

Ari

I am very impressed by how much care and effort this group puts into helping the homeless. That’s not something you see enough, especially in this time of increasing need for community. It’s important to me to work with companies that align with my views, and I would definitely go to Phillips for any future personal injury lawyer needs.

Rich S.

Just would like to share my experience with Phillips And Associates. Ever since my accident in the first of the year, it was a life changing event for me and I finally decided to go with a personal injury attorney. I contacted Phillips And Associates and they made me feel like I was an actual person instead of a lot of other firms try to go with me like a number, Phillips And Associates has reached out to me in a kind, courteous and caring way they fully understand on the circumstances of the accident So far, Phillips And Associates has been absolutely wonderful. I truly recommend going with Phillips And Associates. Thanks (RuthAnn), your the Best!!! And Thank you...

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Bad Faith Insurance Settlement Practices

Insurance companies and policyholders are required to act in good faith when a claim is filed. Policyholders must have a valid reason for filing a claim and the insurance company is not allowed to deny the claim without a valid reason.

Under state law, insurance companies are prohibited from engaging in unfair settlement practices with policyholders. Some of the bad faith settlement practices prohibited under state law include:

Our experienced attorneys know when insurance companies are acting in bad faith and understand how to combat the tactics they may use to either deny or devalue your claim.

Call today to learn how we may be able to assist you throughout the claims process, including by investigating the accident and negotiating with the insurance company on your behalf.

Contact a Lake Havasu City Personal Insurance Attorney for a Free Consultation

Our firm has helped over 155,000 clients get their lives back on track and we may be able to help you too. We understand that dealing with an insurance company can be stressful and we want you to be able to focus on your own health and recovery.

In more than 27 years serving Arizona injury victims, we have obtained more than $1 billion in compensation. We have dealt with many insurance companies and understand the tactics they use to try to avoid paying fair compensation to accident victims.

Contact our firm for a free consultation to learn more about your potential options. Because we provide our services on a contingency fee basis, we do not charge upfront costs. We only get paid a percentage of the compensation you may be awarded.

We look forward to hearing from you. Call us now at 602-222-2222 or fill out a Free Case Evaluation form.