Avondale, AZ Personal Insurance Lawsuits | Phillips Law Group
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- Avondale, AZ Personal Insurance Lawsuits | Phillips Law Group
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 1-800-706-3000 .
Am I Eligible to Pursue Legal Compensation?
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:
- The reason your insurance claim was denied coverage
- If the insurance company unnecessarily delayed paying you
- If the proposed settlement is much less than the claim is worth
- Whether the insurance company conducted a thorough investigation
- Whether the insurance company failed to disclose important policy information with you
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.
Common Personal Insurance Disputes Our Firm Handles
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:
- Prescription drugs
- Emergency services
- Imaging tests: MRIs, X-rays
- Laboratory tests
- Assistive medical devices
- Mental health services
- Rehabilitation services
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.
Long-Term Care 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 1-800-706-3000 today.
Why Do Insurance Claims Get Denied?
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:
- You suffer from a pre-existing condition
- You failed to pay your premium on time
- The policy coverage has ended due to not paying premiums or failing to pay on time
- You did not receive medical treatment for your injury following the accident
- You failed to notify the insurance company before set deadlines
- The policy does not cover or excludes your specific event or loss
- The specific event or loss falls outside of the policy’s coverage or below the deductible
- There is a dispute over who is at-fault for the damages
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.
Unfair Settlement Practices Used by Insurers
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:
- Attempting to settle claims without consent or notice from the insured individual
- Delaying the investigation or payment by requiring duplicate proofs of loss
- Refusing to pay claims without running a thorough investigation
- Failing to approve or deny coverage within a reasonable time frame
- Attempting to settle claims for much less than what the claim is worth
- Failing to implement reasonable standards while investigating a claim
- Misrepresenting important facts or insurance policy provisions
- Failing to acknowledge and act reasonably toward any claims presented
How to Protect Your Insurance Claim
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:
- Determining the insurance company’s deadlines
- Keeping track of the expenses you endured as a result of the accident
- Understanding your insurance policy and if it covers your situation
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.
Contact an Avondale Personal Insurance Attorney Today
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 1-800-706-3000 or chat online.
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Two family members were in a bad wreck a couple of years ago, and as a result called Phillips Law to represent them. Montana Thompson was the attorney assigned to the case with the help of Nemo Farr as legal assistant. Mr. Thompson litigated a very generous settlement for both my stepdaughter and her son. Because my grandson is a minor, I decided to act as conservator for him to ensure the settlement was safe and secure. Montana helped with that process, but it was Nemo who went way above and beyond the call in finding a financial institution to use for the restricted account. There were some glitches in that process but Nemo helped navigate them with a calm expertise which belies his age. I would consider them both great representatives of the level of commitment to their clients and assets to their firm.
I would like to send special thanks to Phillips Law Group for giving me the opportunity to be a part of the Best Law Firm here in the Valley. During these troubling times with the epidemic, Phillips Law Group has masterfully created this family-like environment while still maintaining a professional and business-like approach for all their clients. Thru impeccable leadership that is unmatched by other law firms to the Multi-diverse employment opportunities that many employees advance within the firm; Phillips Law Group has not only distanced themselves from all other competition in the Personal Injury field but also has innovatively changed the narrative of being a great law institution. From providing Employee Appreciation Day to celebrating all major Holiday including great competitive contests; Phillips Law Group has the total participation of all employees to help contribute to the continued success of this firm. So in closing I would like to thank Senior Administration (Jeffery Phillips, Eva Chiaramonte, and Tim Tonkin) along with all of my colleagues and many friends for help making Phillips Law Group a unique and wonderful place to call my place of employment for 6+ years.
Liz Gonzales was great!!!!
Phillips Law Group does so much for the community!!! I especially enjoy seeing Juan Roque out there. This gentle giant always has a smile on his face and is a part of a caring and giving team.
I would like to thank Vanessa Rodriguez for helping me with my case because I was in total shock about the accident. She had listened to all my concerns and had answered every question I had . She was great !!!
It’s an Honor and a Privilege to work for a company that cares about its employees and clients for 12 years. I’ve seen Management go out of their way to help someone whether it’s a personal matter or work related. I am also reminded of many occasions where a Client needed urgent help and we as a Team were able to get the person immediate assistance. At Phillips Law we make that happen through Teamwork and a dedication to our profession. I’ve had numerous jobs in several other fields, those were just jobs. This is a home. Many of us have been here for quite a few years, it feels like one large extended family.
I want to thank attorneys Tim and Robert and the paralegal Bethany for all they had done on my case. They were all empathetic, knowledgeable and professional. All my questions were answered, emails returned in a timely matter, and promises fulfilled. I recommend Phillips Law Group if you need help with your injury case.
The lawyers here are of top quality. Especially Trey Dayes, who was always respectful and hard-working.
Although my accident was fortunately not a major one, The Phillips Law Group AZ treated it as such. Their staff, specifically Mr Juan Roque was very professional, courteous and most importantly very informative. Mr Roque's attentive service was phenomenal and I highly recommend this firm!
Phillips law group is a great firm! Caroline is great.