Mesa Personal Insurance Lawyer

Shortly after an event has occurred where someone has been hurt or there has been damage to property, insurance companies become involved in proceedings. The primary goal of the insurance company is to settle the claim as quickly as possible for the lowest financial amount possible. Despite their assurances, the primary obligation that insurance companies have is to their shareholders, not to their clients.

Have you been pressured by an insurance company to sign documents or provide a statement about an event that caused you to be injured and/or suffer property damage?

At Phillips Law Group, we have been helping to protect injury victims against large corporations like insurance companies, for decades. Our legal team are aware of the tactics that insurance companies use and we can help to be a barrier between insurers and victims during the ligitation process.

To learn more about how we can help you, call us today or fill out our “Free Case Evaluation” form and let us review the details of your incident. There are no upfront fees if we take on your case and we only get paid when we obtain a recovery on your behalf.

Free Consultation. Ph: 602-222-222 .

What Types of Insurance Are Available?

Insurance companies exist to generate revenue for their shareholders. They do this by investing a small amount of the money that they receive from annual premiums, and often put those funds into low risk investments.

To ensure that they keep their balance sheets looking healthy, they employ teams of lawyers, investigators and other staff members to discredit the claims of those that attempt to recover funds from their policies. Some of these policies may include:

• Automotive Accident Coverage – Most states require drivers to have auto insurance. In Arizona, it is mandatory. Auto insurance policies are often used by plaintiffs to claim financial compensation after they have been injured in a collision with an at-fault driver. Commonly, these policies are heavily defended by lawyers working either for – or on the behalf of – insurance companies.
• Home / Rental Insurance – In the event that a home is burglarized or perhaps damaged in a storm, these types of policies can be useful. However, often buried in the fine print of the insurance policy, are clauses that can permit the insurer to not pay when a claim is filed. An example of this is water damage in a storm coverage policy. The policy may cover wind damage but should any water cause damage (which is likely in a rain storm), that damage may not be covered. It may also be argued that water caused all the damage, thus making the insurer not pay anything to settle the claim.
• Health Insurance – The majority of health insurance policies in the United States have very high deductible rates. This means that policy holders must meet a certain threshold of fees, before the policy begins to cover medical costs. For many families, this can mean paying hundreds to thousands of dollars each month just to maintain coverage and then needing to spend thousands more to reach their deductible… which resets every year.
• Disability / Income Insurance – These policies commonly offer wage supplements in the event that a worker cannot work for a given reason. In most instances, it is approximately 60% of the workers wage.
• Life Insurance – There can be many loopholes in life insurance policies which enable insurance companies to not pay the value of the policy – or even a percentage of it. In many instances, insurers will only offer term-limited policies and as policy holders get older, the insurance company increases the monthly price of the policy, while making the minimum health requirements more stringent.
• Long Life Care Insurance – These policies cater to those that are looking to offset the costs that are often not covered by health insurance policies. Commonly, insurance companies will not offer a long-term life insurance policy after an applicant has already had a negative change in their health.

Understanding the details of your policy can be an important part of the compensation recovery process. At Phillips Law Group, we welcome the opportunity to review the details of your damages claim and charge no upfront fees if we take on your case.

How Can A Claim Be Denied?

Any time an insurance claim is denied, a reason must be provided by the insurance company as to why it was denied. While there can be many different reasons depending on the type of policy and what it covers, some common reasons for denied claims include:

• Disputed Liability – Following an incident that has resulted in injury and/or property damage, the insurance company may deny a claim on the basis they believe the plaintiff may be liable for the incident – or that their client (the insured person), was only partially to blame. In either event, the result can be that the available compensation is significantly less than the original amount claimed.
• Failure to Notify – After an accident, insurance policy holders are obligated to notify their insurance company of the incident. The exact deadline can vary from policy to policy and from company to company however, in the event that a claim is made and the insured has not notified the insurer, the claim may be denied.
• Lapsed Policy – In the event that the insured has not paid their policy premiums at the time of an accident, there may be a lapse in policy coverage. If so, the insurance company may state that there was no coverage at that time. It’s important to note that from the perspective of a plaintiff, if this issue arises, there may still be an opportunity to make a recovery.
• Policy Exclusions – Often, buried in the fine print of an insurance contract are specific conditions in the policy that are not covered. Insurance companies know these fine details very well and will use them to avoid paying a claim.
• Pre-existing Conditions – In certain personal injury compensation claims, an insurance company may argue that the plaintiff had an existing injury and that injury is the cause of the pain that they may be experiencing – not the incident that is being discussed in the claim. This is why it is important to have detailed records of the event and any medical treatment that the plaintiff may have received following the incident. A reputable lawyer will obtain this information to dispute the allegation of the insurance company.
• No Treatment at Time of Injury – Should an accident victim decide not to receive medical treatment at the time an injury was sustained, an insurance company may deny a claim on the basis that the injury was not serious enough to receive medical treatment. It many instances, accident injury victims often feel the effects of a collisions days after an accident has taken place – an example of this may be in a rear end car accident, where the victim didn’t feel injured at the time of the crash but started to feel a sore neck days after the event.

Dealing with insurance companies can be a complicated and deliberately time-consuming process. Most insurance companies know that claimants usually do not have the time to compile medical records, police reports and other documentation to validate their claim – nor do they have time to sit on the phone waiting to speak to an insurance company representative.

At Phillips Law Group, we have a team of support staff that work with our attorneys to help gather the information we need to build a strong argument for your potential case. If you have been injured in an incident that was not your fault and need help dealing with an insurance company, contact us today.

Have Some Questions? We Have Answers. Call 602-222-222 .

What Is Bad Faith?

Insurance policies are a contract between the insurer and the insured. The insurer agrees to offer coverage in exchange for the insured to pay the policy premiums.

Commonly, both parties enter this agreement in good faith – which means that both sides have honest and sincere intentions where the insured should only file a claim when he/she has a legitimate reason, and the insurer can only deny the claim with a legitimate reason.

However, in the event that an insurance company denies a claim when it is aware that the insured person was at fault, that may be considered to be acting in bad faith.

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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Contact A Mesa, AZ Insurance Claim Attorney Today

Having represented more than 155,000 consumer clients over the past 27 years, at Phillips Law Group, we deal with insurance companies on a regular basis. We understand the strategies that they use in an effort to discredit claims, and we have a thorough knowledge of the laws that relate to damages claims.

If you believe you have been unjustly denied a claim or perhaps if you need advice before you file a claim, we encourage you to contact our team of legal professionals today.

We charge no upfront fees if we take on your case and your initial consultation with a lawyer at our firm, is free.

Need Help? Call Us Today. Ph: 602-222-222