First Party Insurance Claims and Wrongful Denial

If you’ve been injured in a car accident, and you have significant liability coverage, then you may be entitled to compensation pursuant to the terms of your insurance plan.  In many motor vehicle accident cases, however, the injured are constantly challenged by their insurer and may not be awarded the benefits they seek.  This can place a significant burden on the injured plaintiff, who may not have any other recourse for compensation.

Here at Hirsch & Lyon, we have extensive experience handling motor vehicle accident disputes, including those that require a first-party insurance claim.  Contact us for comprehensive guidance on how to proceed.

First Party Insurance Coverage is Invaluable

First-party insurance coverage is particularly applicable to motor vehicle accident scenarios in which the defendant-driver lacks sufficient insurance coverage to compensate you for your losses.  For example, if you have suffered damages in excess of $200,000, but the defendant has insurance coverage that pays out only $35,000, then that will be insufficient for your purposes.  You will have to seek full and adequate compensation through other means — in most cases, through first-party insurance coverage.

Wrongful Denial and Bad Faith Claims

Many plaintiffs do not realize that insurance companies are fundamentally arrayed against them.  It is the insurer’s goal to minimize their payouts so that they can maximize their overall profits.  As such, insurers tend to be aggressive in denying first-party insurance claims made by policyholders.  They may justify the denial in a number of different ways, such as by arguing that you were at-fault for your injuries, or that your injuries are pre-existing.

In denying such claims, however, insurers may “go overboard.”  If the insurer wrongfully denied your claim, then you may be able to challenge their decision and secure the compensation you deserve.  In cases where the insurer did not have a reasonably justification for denying the claim, and acted maliciously to deny benefits (i.e., by delaying the processing of your claim to an excessive degree, or by lying to you so that you will drop your claim), then the court may even choose to award bonus punitive damages.

Request a Free and Confidential Consultation at Hirsch & Lyon

Here at Hirsch & Lyon, our attorneys have nearly seven decades of combined experience handling personal injury cases, and specifically, those that center around motor vehicle accidents and first-party insurance claims.

Thanks to the significant depth of our experience in such matters, we have gained key insight into the strategies and excuses typical of insurance companies, and how to successfully secure compensation despite such challenges.  Since our founding, this focused approach has helped us to secure significant compensation for our clients through favorable verdicts and settlements.

Ready to move forward with your claims?  Call 602-535-1900 or send us a message online to schedule a free and confidential consultation with a skilled Phoenix car accident lawyer at Hirsch & Lyon.

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