INSURANCE CLAIMS

 
UNDERINSURED MOTORIST (UIM) OR UNINSURED MOTORIST (UM) INSURANCE

If you have been involved in any kind of accident and the at-fault party had no insurance or not enough insurance, you may be entitled to compensation from your own insurance company for underinsured motorist (“UIM”) or uninsured motorist (“UM”) benefits. 

 

Your insurer may deny or undervalue your claim by, among other things: suggesting you were responsible for the accident; claiming your injuries or medical treatment were not caused by the accident; or refusing to consider your pain and suffering and other damages you may be entitled to under your insurance policy and the law. 

 

Insurance companies will try to convince you that your claim is worth less than it is to avoid paying you what you deserve. The attorneys at MGW can assist you if you need to make a claim against your insurance. Please contact us to schedule a free consultation.

 
RESIDENTIAL PROPERTY INSURANCE

Residential property insurance can provide coverage for damage caused by fire, flooding, theft, weather, and other risks. The most common form of residential property insurance is homeowner’s insurance, which provides coverage for, among other things, your home and personal property. Other forms of residential property insurance include renters, mobile home, and landlord insurance. 

 

We help homeowners and others to ensure that you are treated fairly and receive the benefits you paid for under the insurance contract. Please contact us for a free consultation. 

 
COMMERCIAL PROPERTY INSURANCE

Commercial property insurance can provide coverage for commercial property and generally provides coverage for perils such as fire, theft, and natural disaster. This coverage can also apply to bodily injury, personal injury, and property damage caused by the business’s operations, products, or injuries that occur on the business’s property.

 

We help businesses and individuals to ensure that you are treated fairly and receive the benefits you paid for under the insurance contract. Please contact us for a free consultation. 

 
LIABILITY INSURANCE

Liability Insurance can provide coverage for claims resulting from injuries and damage to people or property. This insurance is critical for those who may be held liable for injuries to others. 

 

A basic tenant of liability insurance is that when an accident or event happens and the other party brings suit against you, your insurance company has a duty to defend you. That is, you turn the lawsuit over to your insurance company and they are supposed to hire an attorney for you at no cost. That is how insurance works. You pay a premium and they agree to provide benefits in return. Failure to defend can have disastrous consequences for you and can lead to a bad faith claim against your insurance company. 

 

If you feel that your insurance company is not defending you and is treating you unfairly, please contact us for a free consultation. 

 
CONDOMINIUM PROPERTY INSURANCE

When damage occurs to a condominium or condominium association property, there may be questions about whether the unit owner or the association’s insurance company is responsible and to what extent. These questions and more are likely governed by a few things, such as the terms of the applicable insurance policies, the declarations and bylaws of the association, and state law. 

 

A careful examination and investigation of the property and damage is necessary to determine the benefits payable under the various insurance policies at play. The attorneys at MGW can assist you and ensure that you receive the full amounts payable under your policy. Contact us today to schedule a free consultation.

 
BUSINESS INTERRUPTION INSURANCE

Business interruption insurance helps replace lost income and pay for extra expenses when a business is affected by a covered peril. Covered perils typically include theft, wind, fire, falling objects, or lightning. For example, if a fire damages your business, your coverage may help you retrieve lost income, from say, losing merchandise and extra expenses such as relocating your business or if your business cannot be reopened, the lost revenue from the time your business is closed until it reopens. 

 

We help businesses during difficult times to ensure that you are treated fairly and receive the benefits you paid for under the insurance contract. Please call us for a free consultation. 

 
HEALTH INSURANCE

Hospitals and other healthcare providers often work directly with your health insurance company to submit a claim for payment. Many policyholders do not fully understand their financial responsibility under a policy. 

 

Health insurers may deny claims, in whole or in part, for a number of reasons, including: the treatment was not “medically necessary” or was “cosmetic”; you did not obtain pre-authorization for the treatment; the insurer required additional information to process your claim; or the treatment was administered by an “out of network” provider. 

 

You may receive an Explanation of Benefits (“EOB”) or other document stating that the health insurer is refusing to pay for some or all of your medical expenses. If you believe the health insurance company has denied your claim in error or required you to pay more than your share under the policy, contact the attorneys at MGW to schedule a free consultation. 

 
LIFE INSURANCE

When a loved one with a life insurance policy dies, the insurance company may try to deny payment for a number of reasons, including: misrepresentation on the insurance application; negligence or suicide; or lapse in premium payments.

 

If your life insurance claim has been denied, delayed, or underpaid, contact MGW today for a free consultation.

 
DISABILITY INSURANCE

There are many different types of disability insurance policies available. Beware of disability insurance carriers that try to reduce the amount or duration of your benefits in the event of a disability. 

 

The attorneys at MGW have experience navigating disability claims and are available to assist you in maximizing your benefits. Contact us to set up a free consultation and to discuss ways in which we may be able to help. 

 
BAD FAITH

Unfortunately, insurance companies far too often fail to meet their contractual obligations to you, the insured. They put arbitrary conditions on you receiving payment and even if they do offer you money, they try to negotiate with you to strike a better deal.  They put hurdles between you and the insurance you for paid for. That is not how insurance is supposed to work. An insurance policy is a contract with your insurance company. You meet your contractual obligation by paying a premium. The insurance company in turn is supposed to provide insurance benefits in the event of a covered loss. This obligation is not optional; it is mandatory. 

 

If you feel that you are not being treated fairly by your insurance company, please contact us for a free consultation. We help businesses and individuals receive the benefits they paid for under the insurance contract. 

 
TRAVEL INSURANCE

Travel insurance provides coverage for certain financial risks and losses that can occur while traveling. The losses can include a lost suitcase, trip cancellation, or medical emergency. Travel insurance compensates you for these kinds of losses while traveling. 

 

We help individuals to ensure that you are treated fairly and receive the benefits you paid for under the travel insurance contract. Please contact us for a free consultation.

 
DENIED INSURANCE CLAIMS

There are many different reasons an insurance company will deny a claim. The attorneys at MGW are familiar with the strategies insurance companies use to avoid or minimize payment. We welcome the opportunity to try to help people and businesses through unique and complex insurance issues of all sorts.  

 

If you believe your insurance company has undervalued, delayed or denied payment of your claim for any reason, or if you simply need assistance understanding your insurance policy, the attorneys at MGW can help. Contact us today to schedule a free consultation to discuss your particular situation and to make sure you are getting everything you are entitled to for your insurance claim.