Prescott Personal Insurance Lawyer

When you are injured, involved in an accident or suffer damage to your property, you may have an insurance policy to help cover the damages you experienced. Unfortunately, insurance companies do not always have the best interests of their clients. Their main goal is to profit the company by paying you less than what your claim is worth.

This is why we recommend speaking to our Prescott personal insurance attorneys at Phillips Law Group. Our legal team has decades of combined experience dealing with insurance companies and are aware of the tactics they often use to either deny or devalue claims.

We are ready to discuss your claim during a free, no obligation legal consultation. We are available anytime, day or night, over the phone or online. Our services are offered on contingency, so there are no upfront fees. You pay us only if you obtain compensation.

Call us today at 602-222-2222 or fill out a Free Case Evaluation form.

Am I Eligible to File a Personal Insurance Case?

It is difficult to determine if you have a case without knowing the details of your situation. Our attorneys need to determine whether the insurance company was acting in bad faith. This could include looking at any of the following factors:

• The insurance company claims that they are not required to pay you even though the accident or incident is covered under the policy
• The insurance company failed to provide timely communication about your claim
• They failed to conduct a reasonable investigation into your claim
• They provided a settlement amount much less than your claim is worth
• The insurance company failed to give detailed reasons for denying your claim
• They failed to make a prompt decision (either approving or denying) your claim in a timely manner

The best way to know if you are eligible to take legal action is to reach out to a licensed Prescott personal insurance attorney for a free consultation to learn more about your rights.

Personal Insurance Disputes Phillips Law Group Handles

Having an insurance policy is like having a safety net that guards you from paying heavy costs in the case of an accident, injury or damage to your property. Some of the most common personal insurance disputes we handle at Philips Law Group include:

• Health insurance ”“ Health insurance policies generally have a high deductible rate. This means that you must meet a certain standard of fees before the policy begins to cover medical costs. Often times, policyholders must pay hundreds of thousands of dollars out-of-pocket costs to reach their deductibles.
• Auto insurance ”“ Most states require all drivers to carry auto insurance, including Arizona. These policies are often used by victims to help cover medical expenses and other related costs they experience in a car accident with negligent driver.
• Home/rental insurance ”“ If a home is damaged from a natural disaster or your home is burglarized, your policy may cover the damage of the storm or the items that were stolen. Be sure to thoroughly read your policy as certain things may not be covered.
• Disability insurance ”“ These type of policies generally offer wage supplements in the event you become temporarily or permanently disabled and are unable to work.
• Life insurance ”“ Life insurance policies often cover expenses with lump-sum payments given to the surviving family of the deceased. Unfortunately, there are many loopholes in these policies and oftentimes a family is left with very little.
• Long-term care insurance ”“ These policies often cover costs that are not covered by Medicare, Medicaid or other health insurance policies. It includes care in nursing home facilities, adult care, assisted living, and hospice care.

If you have questions regarding your policy, it may be in your best interest to reach out to a Prescott personal insurance lawyer to discuss the legal options that may be available to you.

Contact our legal team at 602-222-2222 for a free consultation.

How Can an Insurance Claim Get Denied?

There are many reasons why insurance claims get denied. Insurance adjusters are trained to use certain tactics to get you to admit fault or say something that harms your claim to avoid a payout. They may even try to delay the claims process long enough so that you become desperate enough to take the first settlement offer to cover your out-of-pocket costs.

To get out of paying a fair value, the insurance company may claim the following:

• Your loss is below the deductible
• Your loss falls outside of the policy’s coverage
• They may state that the policy has lapsed due to late payments
• They may claim that you have a pre-existing condition
• You failed to notify the insurance company before a deadline
• The policy does not cover or excludes your specific loss

If the insurance company has denied or devalued your claim, get in touch with our legal team. We are ready to review your situation 24 hours a days, seven days a week.

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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Reach Out to an Experienced Prescott Personal Insurance Attorney Today

Our attorneys at Phillips Law Group have represented more than 155,000 clients, helping them obtain millions of dollars in compensation. We are prepared to handle all communications and negotiations with the insurance companies on your behalf.

Contact us for a free consultation to see how we may be able to help. We do not charge upfront fees for our services. We only get paid if you obtain fair and just compensation.

Need legal help? Call our firm at 602-222-2222 .