Insurance Companies Reject, Minimize, and Delay Claims Every Day.
“I remain on a decade’s long quest to obtain just compensation, which has been unjustly withheld”
– Eric T. Kirk
For the last 30 years, I’ve spent my legal career battling insurance companies to ensure my clients receive the full compensation they deserve. I’ve secured millions of dollars in compensation for my clients in claims that were denied or initially undervalued by an insurance company.
I Can Help You.
Win Your Insurance Dispute.
I have successfully pursued thousands of claims that were denied and disputed by the nation’s largest insurance companies and obtained the compensation denied to my clients. Maryland insurance companies deny thousands of claims every year. They undervalue and underpay on thousands more. When challenged, those insurance companies aggressively defend their denials in court.
A crucial fact for any injured person, or a person who has sustained a loss, to recognize, and be prepared to deal with, is that an insurance company may not want to compensate you. This shocks many policyholders.
Get The Compensation You Deserve.
Insurance is designed to provide compensation for a loss. My clients rightfully wonder how can that compensation be denied when there is a loss? When dealing with your own insurance company, the process can be enraging. That’s what the insured person pays for- coverage for a loss. You paid your premiums. How can your claim be denied or undervalued?
Why Do Insurance Companies Deny Claims?
Repeatedly, I see insurance companies either denying claims outright or refusing to offer reasonable settlement value. In theory, the reasons that an insurance company can use to deny a claim are as limitless as the creative adjuster’s imagination. Insurance companies are huge entities with massive resources that dwarf those of the individuals whose claims they deny. It’s a safe bet to say that most people know many insurance companies are enormous and profitable. It’s probably a safe bet to say that most people don’t truly understand just how much money the major insurance companies actually make. The American Association for Justice has put that figure at 30 billion dollars annually for only the US property/casualty insurers.
When to Contact Me?
Insurance Companies Routinely Reject Claims. I challenge these insurance claim denials and coverage disputes Every Day. One method employed by the insurance industry is to refuse the claim outright. The “denial” is the rejection of responsibility or liability for a loss. When you get a written denial of your claim, from your insurance company, in whole or in part, this is the time to contact me. I WILL HELP YOU. When an insurance company denies a claim in total, the injured person, or the one who has sustained the loss, has no choice but to file a lawsuit, and ask a jury or judge to award fair compensation.
When you call me before a written denial of your claim, your legal rights are not mature, and I likely can’t help at this point.
Another Method is to Minimize the Claim
This can manifest itself in various ways, from labeling the loss “minor” to extending unreasonable “lowball” settlement positions and a refusal to offer full fair compensation for a claim. The unreasonably low settlement offer is, in effect, a partial denial, as it is a refusal to recognize the merits of the claim fully.
Insurance Companies Will Also Try to Delay the Claim
Insurers have an obligation to promptly evaluate a loss and pay for it when it is reasonable to do so. Delaying the claim by not timely reviewing documentation, for example, is believed by some to have the effect of “wearing down” the victim, who desperately needs settlement funds to cover expenses and bills. It can get worse. The worn-down potential plaintiff, in this scenario, may be willing to settle for less due to the deteriorating financial predicament exacerbated by the delay.
When an at-fault third party’s insurance company denies a claim, the proper method is to sue that guilty party and asks a jury to award fair and reasonable compensation. When it is your own insurance company that denies a claim, in whole or in part, the proper challenge is to sue that insurance company directly in a court of law and ask the court to determine a fair recovery.
I immediately challenge and then attack wrongful insurance claim denials, including:
- Business Insurance/Business Interruption/ Lost Profits
- Auto Insurance /Uninsured motorist / PIP benefits
- Homeowner’s Insurance
- Life Insurance
- Personal Injury claims
- Workers’ compensation claims
- And More
Has Your Insurance Demonstrated Bad Faith?
Bad faith may occur where your insurance company failed to act with honesty or diligence or made a decision without supporting evidence. In some circumstances, you may ask a court to determine whether your insurance company acted in bad faith by not paying you. If they failed to act in good faith, you could recover your attorney’s fees, litigation costs, and interest.
I’ve spent the better part of a 25-year career battling insurance companies to ensure fair compensation for those I represent. I’d be happy to take a complimentary look at your claim and offer my opinions and advice. Feel free to contact me today to schedule a discussion.
R.S. Baltimore, MD,
