Have you ever felt the sinking feeling of having a claim denied by an insurance company? You pay the premiums on time and don’t make a big fuss when the rates increase, but when the time comes for your insurance provider to pay for an operation or an accident, sometimes they try to find a way to get out of covering your expenses.
The attorneys at Williamson, Webster, Falb & Glisson are equipped with the knowledge and experience to help finally secure payment from your insurers.
What are the different types of insurance disputes?
Considering the number of types of insurance that exist and the wide range of bad faith denials of coverage that have been made, every insurance dispute is different. Below are just a few general descriptions of insurance dispute scenarios. We recommend contacting us if you are looking for guidance, as we offer free consultations and will not charge a legal fee unless we make a recovery for you.
- Automobile Insurance — When you or a loved one are involved in a car accident, the last thing you want to deal with is an insurance company unwilling to compensate you for vehicle damages, especially in cases where the other driver was uninsured or underinsured. Uninsured and Underinsured claims have several time constraints and pitfalls due to the policy language. Many are governed by arbitrations procedures, and using an attorney is a must. Our firm regularly handles these types of cases, and in 2010, our firm recovered over $500,000 through litigation for a client where the insurance company originally claimed there was no coverage. We want to help you take full advantage of the insurance policy you paid for and to get you back on the road.
- Homeowners’ or Business Insurance — Perhaps your commercial or residential building was damaged in a flood, a fire, a robbery, or some other adverse condition beyond your control. When insurance companies claim that expensive repairs are not their responsibility — even though you purchased an insurance plan in the event these conditions would come true — it’s time for you to obtain legal counsel. Insurance companies will try a lot of different strategies to limit the amount of coverage, using various technicalities. WWF&G can help you hold homeowners’ and business insurers responsible.
- Medical Insurance — Sometimes medical insurance companies deny coverage of a claim by alleging that the patient had pre-existing conditions, that their insurance plan didn’t cover a specific type of or amount of treatment, or that a procedure or method of treatment was “experimental.” In many cases, the insured knows these allegations are untrue but do not know where to turn. Insurance customers have reason to expect reasonable coverage from their insurers and have the right to contest unfair denials of coverage in court.
- Social Security Insurance — In this age of government cutbacks, sometimes in attempts to reign in spending, clients are denied their social security disability or insurance benefits. WWF&G does not want to stand by while American disabled citizens that have paid social security taxes and are entitled to social security benefits are unjustly denied.
Do I really need an attorney?
Many people unacquainted with the legal system believe they cannot afford an attorney. When insurance companies box you in a corner, however, and deny claims that you know should be covered, you can’t afford not to contact a lawyer.
While brave, people attempting to do battle against insurance companies on their own are not likely to succeed. As licensed professionals, we know insurance law through and through, and we are familiar with the best practices to obtain the greatest possible recovery in court and in settlements.
Why should I bring my case to WWF&G?
First opened in 1972, the firm has decades of experience in getting results for clients. With offices in Alton, Illinois and St. Louis, Missouri, Thomas O. Falb and Michael P. Glisson are licensed to try cases against insurers of all stripes in the bi-state St. Louis region. As trustworthy individuals, WWF&G attorneys are known for their tireless commitment to their work.
But don’t take our word for it. Ask our current and former clients. As said by Kay P., “Mr. Falb and Mr. Glisson gave my cases personalized attention. I felt like more than just a client, but also a friend. No matter how small the matter, they worked hard in a timely manner.”