For those injured in an accident, medical bills, missed work, and other incidental expenses can add up quickly. After filing an injury claim with your insurance provider, what can you do if they are denying or delaying payment? You do not need to fight this uphill battle alone. The personal injury attorneys of Chamlin, Rosen, Uliano & Witherington are here to help those struggling to recover damages for car accidents, slip and falls, construction accidents, product liability accidents, and more.
Call our office today for a free and confidential consultation regarding your denied or delayed insurance claims and to find out how we may be able to be of service.
Monmouth County Bad Faith Insurance Claims Attorneys
Insurance companies who deny legitimate insurance claims may be guilty of acting in “bad faith”. Insurance companies are obligated under federal and state law to act in good faith and protect their customers as agreed upon in all insurance contracts. Any of the following actions may be considered bad faith insurance:
- Intentional misrepresentation or deception of an insured individual pertaining to conditions and terms of insurance policy
- Unnecessarily delaying or refusing to take investigative action into a filed claim
- Failure to reasonably explain why your claim has been denied or delayed
- Denying or rejecting legitimate claims based on your insurance policy and governing laws
- Intentionally obscuring or hiding information about your insurance policy, including upper limits or other financial restrictions
- For legitimate claims, waiting an arbitrary and unnecessary amount of time before paying your damages
Red Bank Denied Insurance Claims Lawyers Discuss Common Causes
Make no mistake, insurance companies are businesses. As nice as commercials might be about friendly insurance agents going above and beyond to help clients (and that certainly does happen) it remains in their best interest to deny, delay, or low ball as many claims as possible. Our Red Bank lawyers have experienced many different excuses for denied personal claims, but most boil down to the following three reasons.
Your injury was not caused by the accident in question. Obvious injuries such as broken bones, lacerations, and disfigurement are very easy to prove in the aftermath of an injurious accident. However, many serious injuries are either not immediately apparent, or may have difficult to detect symptoms such as brain injuries leading to migraines or spinal injuries leading to long term loss of mobility. We recommend seeing a doctor as soon as possible after an accident in order to get an official diagnosis of your injuries and tie them back to your accident.
Your injuries are not as severe as claimed. Similar to denying the correlation between your injury and accident, insurance companies may question the extent of the damages you are claiming such as your injury preventing you from returning to work, or even that your injury requires rehabilitation. Our firm may retain expert witnesses or rely on legal precedence to prove the validity of your claim.
Contact our West Long Branch Personal Injury Claims Attorneys Today
At The Law Office of Chamlin, Rosen, Uliano & Witherington, our attorneys have decades of experience serving clients who have had claims denied by insurance companies in New Jersey towns including Red Bank, Freehold, Long Branch, Ocean, West Long Branch, Wall, Ocean County, and the greater Monmouth County area. Our firm has secured landmark and precedent setting decisions for our local clients, and will put our experience and knowledge to work for you. We are led by partner Charles J. Uliano, who is one of only 43 attorneys in the state to be dual Certified by the New Jersey Supreme Court as a Civil and Criminal Trial Attorney.
Contact us online or through our West Long Branch offices by calling (732) 440-3950 today to speak with a member of our legal team about your denied or delayed personal injury claim and how we can serve your needs in a free and confidential consultation.