Claims Against Insurance Companies
Although we purchase insurance with the hope that we will never have to use it, most of us at one point or another must contact our insurance company to pay a claim. Generally, most claims have to do with health insurance, automobile accidents, or home owner’s coverage.
Unfortunately, while insurance companies are quick to accept premium dollars, they may not be so quick to pay out claims. Often times they perform what is known as “post-claim underwriting,” which allows them to investigate claims and look for an excuse to avoid coverage. Insurance companies look for anything that could arguably be a pre-existing condition, a misrepresentation on the application for insurance, or any inconsistencies that will allow them to refund the premium once it becomes clear that the claim will be significant.
Most individuals who purchase insurance have no idea what type of coverage they have purchased. Insurance companies count on the insured’s lack of knowledge, with the hope that claims will never be made. That’s why the insurance claim attorneys at Phenix & Crump, PLLC are ready to help you navigate the complexities of insurance law in Henderson, Texas.
Insurance companies are hopeful that the insured will never contact an attorney and therefore will never be aware of his rights or benefits. Insurance companies will routinely deny benefits based on an independent review by their doctors, with full knowledge that this is an insufficient basis to terminate benefits.
If you have a claim against an insurance company that has been wrongfully denied, please contact the insurance claim attorneys at Phenix & Crump, PLLC today to schedule your free consultation.
Please contact us at (800) 940-1047 or (903) 657-3595 or fill out our Contact Us form to schedule your free initial consultation. There will be no fee on any personal injury claim we handle unless there is a financial recovery made for you.