Life, Health & Disability Insurance

Helping Individuals with Insurance Disputes

Unfortunately, it is not uncommon to encounter problems with insurance companies when it comes to asking for payment of benefits under life insurance or disability insurance coverage. Repeated obstacles involving health care insurance claims can appear to be the norm. If you believe you are the victim of insurance bad faith, we can help. Our San Diego insurance dispute lawyers can fight to get you the benefits you have paid for.

Was Your Claim Denied in Bad Faith?

Unreasonable delays in payment, successive requests for information after you have answered their previous questions, or apparently arbitrary denial of benefits or claims are all signs of what is known as insurance bad faith. Too often, the company gambles that you will accept less than what you have coming to you if it makes the claims or benefit payment process difficult and complicated enough. In the meantime while your dispute is pending, the insurance company collects interest and investment income on the money it isn't paying you.

Not all denials of claims or benefits mean that the insurance company is cheating you. There are many legitimate bases for an insurer's questioning of your claim. When the subject of the dispute seems to shift with each round of information requests, however, or if the insurer's stated reasons for denying your claim seem less plausible the longer the dispute goes on, the case for a claim of insurance bad faith appears all the stronger.

At The McClellan Law Firm, we can work with you to identify possible claims against your insurer for bad faith in the handling, payment, or denial of life, health, or disability insurance claims. Our experience helps us spot the signs of bad faith; we can also work with you to identify with precision the losses that resulted from the breach of the insurer's commitment. In health coverage and disability benefits disputes, these losses can be substantial.