Columbia Insurance Claims Lawyers

Have you recently been involved in an auto accident?

insurance-claimIf so, then there’s a good chance you’ve filed a claim with your auto insurance company with the reasonable expectation that the coverage you’ve been paying for would kick in and cover a number of your accident-related expenses. But if you’ve received a claim denial from the insurance company, you may be left feeling out of luck and on your own when it comes to paying for your damages, medical bills, property damage, and other related costs.

That’s where our team at Bley & Evans Trial Attorneys comes in; we have the experience and know-how to handle insurance claim delays and denials, providing you with the legal guidance and representation you need to show the insurance company that you’re serious about recovering the money you are entitled to.

Why Was Your Claim Denied?

The first step you should take (if you haven’t done so already) is to find out why your insurance claim was denied; by law, the insurance company is required to provide you with this information. There are many valid reasons as to why an insurance claim may be denied. For example, it may be proven that your insurance policy was actually lapsed at the time of the accident and, therefore, the coverage is no longer available to you.

On the other hand, not all insurance claim denials are legitimate.

Unfortunately, insurance claims adjusters aren’t on your side; they work for your insurance company and, as a result, they’re more likely to side with the insurance company. Sometimes, this means being untruthful in their reporting to help the insurance company pay you less or deny payment altogether.

Auto Insurance and “Vexatious Refusal”

Depending on the specifics surrounding your case, we may be able to assist you in filing Missouri’s equivalent of a “bad faith” complaint against the insurance company, known as “vexatious refusal.” Essentially, this type of complaint contests that the insurance company denied your insurance claim in bad faith—without a valid reason. Even if your claim wasn’t outright denied and you received some compensation, a bad faith complaint may be used in an effort to recover additional funds that may be owed to you.

The difficult aspect of making a bad faith complaint, however, is that it is often difficult to prove that an insurance company or insurance adjuster acted in bad faith to begin with. This is where having the help of a skilled attorney can make all the difference in the outcome of your case. Typically, the angle that may be taken in a bad faith complaint is that the insurance company failed to adequately investigate the accident and, as a result, could not fairly and accurately reach a decision on your claim. Of course, no two cases are exactly alike, so an attorney will need to work with you to review the details of your case and determine the best course of action.

Contact Our Trial Attorneys Today

If you believe you’re being treated unfairly when it comes to your auto insurance claim, it’s important that you consult with an insurance claims attorney sooner rather than later so you can have the best chances of a recovery. Here at Bley & Evans Trial Attorneys, we’re happy to offer a free initial consultation so we can review your case and help you decide on the proper course of action. From there, we can work tirelessly to guide you through the often complicated legal process, spearhead your case, and work toward a fair recovery following your auto accident.

To schedule your free consultation or to find out more about our practice, contact our office at 844-443-8385.