Is your insurance company trying to wiggle out of honoring your claim? Are you worried that they won’t pay the full amount?
Having insurance is an important necessity of modern times. Between car accidents, natural disasters, personal injuries, and the unfortunate loss of loved ones, almost everything can be insured. Insurance is designed to give you peace of mind by reimbursing you for losses or costs. You pay a premium hoping that you’ll never need to file a claim. But, in the unfortunate case that you do need to file a claim, you won’t have to worry. Unfortunately, filing a claim does not always result in a payment. Insurance companies attempt to maximize their profits by denying claims, and will sometimes look for a way out of paying for your loss. If they do in fact have to pay your claim, many insurers will look for ways to minimize their payouts. For these reasons, you need an insurance lawyer to fight on your behalf.
For example, a nearby tree falls on your home, resulting in thousands of dollars in damage. You expect to file a claim, and wait for a check from your insurance company so that you can repair your home and continue your life as usual. Why not? You have paid the premium on time for this insurance policy for years, and you have never filed a single claim. The process should be straightforward and hassle-free, right? Wrong.
Insurance companies often use adjusters to assess damages, and determine the amount of your claim. The insurance company will send a claims adjuster to your home to conduct an inspection of the damage to your property as well as the tree that fell on your home. The adjuster will take copious amounts of photos as well as interview you and any other witnesses that might have witnessed the incident. The interview can be intimidating with the adjuster recording you, and informing you that anything you say can be used against you while all statements made are legally binding. Naturally, most people become nervous, especially by the series of unexpected questions they are asked. If you inadvertently give inaccurate information, your insurance company can even use the information from this recorded statement against you to reduce the amount of your claim or deny it altogether. Your insurance company might even ask questions of which you do not know answers to leverage your responses as an excuse to scheme out of paying for your loss.
A worthwhile insurance lawyer will take the necessary precautions, such as sending out a 3rd party adjuster to protect your interests or preparing you for your insurance company’s recorded interview so that you can present all of the facts in a favorable light.
A.A. Castro Complex Litigation, Appeals & Negotiation, PLLC (Castro C.L.A.N.) is here to defend you against insurance companies that do not wish to pay your claim. You held up your end of the bargain by paying your insurance premiums, and we believe that your insurer should keep up their end of the deal. We have extensive knowledge in insurance law, and we will not allow an insurance company to take advantage of you. Whether your initial claim has been rejected or you recently had an unfortunate incident and need to file a claim, please do not hesitate to consult with us. Castro C.L.A.N. will fight for you!
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Serving in the Federal District Courts, Second Circuit Court of Appeals, New York Supreme Courts in Manhattan, the Bronx, Brooklyn, Queens, Nassau, Westchester, Broome and Onondaga Counties, as well as the Appellate Division First, Second, Third, & Fourth Departments for Complex Litigation, Appeals, & Negotiation.
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