Insurance Claim Attorneys in Northern Virginia
When the unexpected occurs, it’s helpful to have an insurance policy that can help you avoid shouldering an unnecessary financial burden. But what happens if your carrier denies your claim, leaving you to pay out of pocket for what should be covered expenses? Because insurance providers are obligated to act in good faith according to the law, policyholders may take legal action to resolve incorrect, unfair, “bad faith” claim denials.
If you feel your insurance claim was improperly denied, don’t hesitate to reach out to Westlake Legal Group to evaluate your case. Contact our team for assistance.
What You Need to Know About Insurance Claims in Northern Virginia
Understanding Insurance Claim Litigation
When a policyholder suffers a loss through no fault of their own, they are typically able to file a claim with their provider to receive compensation. This compensation is outlined in your policy, along with other stipulations related to filing for damages. The hope is that you file a claim with your provider, it falls under your umbrella of coverage, and your insurance company issues the payout for your claim to help you manage related expenses.
However, some insurance companies may attempt to undervalue, underpay, deny, or otherwise interfere with the policyholder’s ability to receive the coverage for which they paid. When this happens, policyholders are well within their rights to pursue legal action and recover the compensation they’re owed.
Virginia Laws and Insurance Claims
According to Virginia law, there are a number of specific circumstances that may be considered “unfair claim settlement practices” and can be pursued in court. These include:
- Misrepresenting pertinent facts or policy provisions related to coverage
- Failing to acknowledge and act promptly upon communications related to claims processing
- Failing to investigate claims in a timely and reasonable manner
- Refusal to pay claims unreasonably
- Failing to affirm or deny coverage within a reasonable time frame following proof of loss
- Offering substantially less than the amounts ultimately recovered
- Attempting to settle claims for less than the indicated amount specified in writing or printed advertising materials
To find out whether your insurance claim denial is the result of unfair claim settlement practices, contact Westlake Legal Group.
FAQs About Insurance Claim Litigation in Northern Virginia
Can I sue my insurance company for claim denial?
Yes — insurance companies are obligated by law to pay out fair claims submitted by their policyholders. You may be eligible to sue if your insurance company:
- Has delayed investigations into your claim
- Has conducted insufficient or inadequate investigations
- Has failed to approve or deny your claim within the time frame specified in your contract
- Has failed to explain your claim denial
- Has denied or refused to pay a claim where liability is clearly and reasonably demonstrated
What should I do if my insurance company denies my claim?
When dealing with your insurance provider, always document any conversations you have. If you suspect your carrier is handling your claim improperly, reach out to an attorney immediately. Insurance companies’ claims filing processes often are technically and legally complicated. Having a knowledgeable attorney by your side can aid in appropriate processing.
Insurance Claim Attorneys at Westlake Legal Group
As a policyholder, you are entitled to receive compensation for the coverage outlined by your carrier. If your insurance provider has improperly denied a claim, Westlake Legal Group may be able to assist in resolving the issue. Find the legal assistance you need with our team of attorneys by contacting us for a consultation today!