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Insurance Litigation Attorney in Philadelphia, PA

Dealing with insurance carriers can be incredibly complicated. Insurance is a specialized and highly complex area of law that can affect various parties. If you or a loved one had been injured and are left dealing with an insurance carrier to secure the compensation you need, you should have an attorney by your side. At Solomon, Sherman & Gabay, our Philadelphia insurance litigation attorneys understand what it takes to stand up to aggressive insurance carriers and secure maximum compensation on your behalf. Let us get to work on your case today.

What is insurance litigation?

Insurance litigation attorneys work on behalf of those who are having trouble securing the compensation they need from insurance carriers. When an injury victim has a legitimate claim, they should be able to count on the insurance carrier to payout the claim. Unfortunately, that is not always what happens.

Some of the most common types of cases that an insurance litigation attorney in Philadelphia will help clients with includes:

What a Philadelphia insurance litigation attorney does

At Solomon, Sherman & Gabay, our insurance litigation attorneys in Philadelphia know how to interpret insurance policies, and they have a thorough understanding of the insurance laws of Pennsylvania. This includes case law, PA statutes, and insurance regulations.

As experienced insurance litigation attorneys, there is a range of types of cases that we handle. This includes:

  • Denied insurance claims – If your insurance company has denied your claim, you may have a case
  • Delayed or late payment of insurance claims
  • Insurance carriers acting in bad faith
  • Your insurance carrier refusing to defend you in a lawsuit
  • Failing to adequately investigate your insurance claim

Our Philadelphia insurance litigation lawyers understand the importance of you securing the compensation you need. We can:

  • Work with the insurance company to determine if issues involved in a denial of benefits can be resolved.
  • Investigate the entire incident in an effort to understand why the claim was denied.
  • Prepare to appeal any denial or be ready to take the case to trial if necessary.

When you secure an attorney to help in these situations, you are gaining peace of mind. You will have a team with the resources necessary to make you whole, so you can focus on living your life.

What constitutes bad faith insurance practices in Pennsylvania?

Regardless of what type of insurance claim we are discussing, there are various elements common to them that could constitute bad faith insurance practices. At Solomon, Sherman & Gabay, we want to list some of the most common ways that bad faith insurance claims arise.

1. Denying a claim without giving a reason

Insurance carriers are required by law to give a reason to the policyholder if they deny a claim. If a carrier denies a claim without giving a reason, or if they deny a claim for an invalid reason, this may constitute bad faith insurance practices.

2. Not conducting a prompt or complete investigation

Insurance carriers are required by law to conduct prompt and complete investigations into all valid claims made by the policyholder. In these cases, the insurance carrier acts as the “agent” of the policyholder, and they must properly investigate the claim.

3. Offering less money than the claim is worth

Unfortunately, it is not uncommon for insurance carriers to offer low settlements. However, insurance carriers could be acting in bad faith if they intentionally make unreasonably low settlement offers to the policyholder.

4. Unnecessary delays or denials unclaimed

It is incredibly important that insurance carriers accept or deny claims in a timely manner. Victims of property damage or injuries should not have to wait an undetermined amount of time for an insurance carrier to accept or deny a claim. Insurance carriers that unreasonably delay claims could be acting in bad faith.

5. Refusing to settle or pay a valid claim

Insurance policies are fairly clear about what type of claims are valid and what type are not. However, if an insurance carrier refuses to settle or pay a valid claim, they are acting in bad faith. That is why it is important for a policyholder to obtain a complete copy of the policy so they can determine whether or not their claim is valid.

6. Making threatening statements

Insurance carriers are not allowed to make threatening statements to a policyholder or any person submitting a valid claim. This would be considered bad faith insurance practices. An example of this would be an insurance carrier accusing a homeowner of filing an invalid claim after sustaining fire damage to their home without sufficient evidence that the claim was invalid.

7. Misrepresenting policy language or the law

The laws surrounding insurance policies can be complicated, and the policies themselves are often confusing. An insurance carrier may try to use this to their advantage because most people making claims do not have legal experience. However, if an insurance carrier purposely misrepresents the language of the policy or the insurance laws of Pennsylvania, this would be considered bad faith insurance practices.

Remember: Pursuit of bad faith litigation may increase the damages owed to you if they deny, delay or undervalue your claim. If you’re having issues with your insurance company honoring their commitment for property damage, call us. Get a free consultation from Pennsylvania’s best Homeowners Insurance lawyers today. There are no fees if we don’t win for you.

Call us for a consultation of your case today

If you or somebody you love is having trouble dealing with an insurance carrier, it is time to call an insurance litigation specialist. At Solomon, Sherman & Gabay, we understand what it takes to help get you through this and secure the compensation you need. This could include coverage for:

  • Any medical expenses you are owed
  • Medical devices or prescription medications
  • Property damage losses
  • Pain and suffering damages
  • Punitive damages against the insurance carrier
  • and more

When you need a Philadelphia insurance litigation attorney, you can contact us for a free consultation of your case by clicking here or calling 215-665-1100.

Today To Set Up A Free Consultation.