Insurance Coverage Claims
When it comes to insurance
coverage claims and disputes, we take a results-oriented approach
that is both expedient and cost-effective.
Policy holders and insurance companies often disagree as to what
situations an insurance policy covers. At the Joe Griffith Law Firm, LLC, our
South Carolina insurance coverage claims lawyers help clients deal
with their insurers to get valid claims paid under their policies. If
you have had a claim unfairly denied by your insurance company, you
need to contact an experienced insurance law attorney as soon as
possible.
Insurance disputes have become more common and more complicated over
the years, and the monetary stakes have increased as well. We handle
most types of insurance dispute cases, including those where the
coverage of the policy was misrepresented at the time of
application, as well as cases where a claim was denied despite
clearly being covered under the policy.
Insurance scams and insurance fraud cost policy holders millions of
dollars every year. Some insurance companies engage in
“cherry-picking,” which describes the practice of signing up as many
insureds as possible to a very generic policy and simply challenging
any claim that would be expensive to pay. After challenging the
claim in a “routine investigation,” the company will search for
inconsistencies or incorrect information submitted by the client and
use it to deny the validity of the claim in bad faith.
Insurance companies have a vested interest in not paying claims.
They employ teams of lawyers to avoid payouts on large claims. In
serious situations like fires, hurricanes, and substantial medical
bills, insurance companies have a financial incentive to avoid payment.
An experienced insurance law attorney can help you fight back
against an improper refusal to pay on a claim. We can conduct an analysis and interpretation of your policy and
prepare a proper claim under your policy. If your valid claim is
denied, we are not afraid to go to trial to litigate on your behalf.
Some other insurance-related matters we handle include:
- Coverage Disputes involving construction accidents;
completed operations; environmental claims; trucking and
automobile accidents; premises liability; trademark, patent and copyright
claims; defamation; commercial litigation; employment law; and
bad faith denial of insurance coverage or claims.
- Various Policies and Coverages including first-party
coverage; Professional Liability; Homeowners; Manuscript and
Excess policies; and Directors and Officers errors and omissions
policies.
- Recurring Issues including additional insured status of an
owner, contractor, lessor, or construction manager; defense and
indemnity for class action suits involving consumer claims; the
ambit of coverage for invasion of privacy; proof of existence
and terms of coverage; identity of insured/additional insureds;
treatment of multiple insureds; self-insured retention;
deductibles and carrying charges; notice and disclaimer
requirements; number of occurrences; co-insurance allocations;
primary versus excess issues; contractual indemnity issues;
anti-subrogation; breach of contract to procure coverage; waiver
of subrogation; bankruptcy issues; and drop down provisions.
- Special and Unique Issues including application of pollution
exclusions; construction defects; "sick building" claims;
interplay of differing laws encountered in a choice of laws
provision; and
narrowed or broadened scope of coverage by means of manuscript
endorsements.
Contact the Joe Griffith Law Firm, LLC today to schedule an
appointment with one of our knowledgeable attorneys. We can be
reached at 843-CALL-JOE (843-225-5563), or contact us via our
online
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