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What if My Insurance Company Won’t Pay?

Monmouth County Bad Faith Insurance Claims AttorneysFor those injured in an accident, medical bills, missed work, and other incidental expenses can add up quickly. After filing an injury claim with your insurance provider, what can you do if they are denying or delaying payment? You do not need to fight this uphill battle alone. The personal injury attorneys of Chamlin, Rosen, Uliano & Witherington are here to help those struggling to recover damages for car accidentsslip and fallsconstruction accidentsproduct liability accidents, and more.

Call our office today for a free and confidential consultation regarding your denied or delayed insurance claims and to find out how we may be able to be of service.

Monmouth County Bad Faith Insurance Claims Attorneys

Insurance companies who deny legitimate insurance claims may be guilty of acting in “bad faith”. Insurance companies are obligated under federal and state law to act in good faith and protect their customers as agreed upon in all insurance contracts. Any of the following actions may be considered bad faith insurance:

  • Intentional misrepresentation or deception of an insured individual pertaining to conditions and terms of insurance policy
  • Unnecessarily delaying or refusing to take investigative action into a filed claim
  • Failure to reasonably explain why your claim has been denied or delayed
  • Denying or rejecting legitimate claims based on your insurance policy and governing laws
  • Intentionally obscuring or hiding information about your insurance policy, including upper limits or other financial restrictions
  • For legitimate claims, waiting an arbitrary and unnecessary amount of time before paying your damages

Red Bank Denied Insurance Claims Lawyers Discuss Common Causes

Make no mistake, insurance companies are businesses. As nice as commercials might be about friendly insurance agents going above and beyond to help clients (and that certainly does happen) it remains in their best interest to deny, delay, or low ball as many claims as possible. Our Red Bank lawyers have experienced many different excuses for denied personal claims, but most boil down to the following three reasons.

Your injury was not caused by the accident in question. Obvious injuries such as broken bones, lacerations, and disfigurement are very easy to prove in the aftermath of an injurious accident. However, many serious injuries are either not immediately apparent, or may have difficult to detect symptoms such as brain injuries leading to migraines or spinal injuries leading to long term loss of mobility. We recommend seeing a doctor as soon as possible after an accident in order to get an official diagnosis of your injuries and tie them back to your accident.

Your injuries are not as severe as claimed. Similar to denying the correlation between your injury and accident, insurance companies may question the extent of the damages you are claiming such as your injury preventing you from returning to work, or even that your injury requires rehabilitation. Our firm may retain expert witnesses or rely on legal precedence to prove the validity of your claim.

Contact our West Long Branch Personal Injury Claims Attorneys Today

At The Law Office of Chamlin, Rosen, Uliano & Witherington, our attorneys have decades of experience serving clients who have had claims denied by insurance companies in New Jersey towns including Red Bank, Freehold, Long Branch, Ocean, West Long Branch, Wall, Ocean County, and the greater Monmouth County area. Our firm has secured landmark and precedent setting decisions for our local clients, and will put our experience and knowledge to work for you. We are led by partner Charles J. Uliano, who is one of only 43 attorneys in the state to be dual Certified by the New Jersey Supreme Court as a Civil and Criminal Trial Attorney.

Contact us online or through our West Long Branch offices by calling (732) 440-3950 today to speak with a member of our legal team about your denied or delayed personal injury claim and how we can serve your needs in a free and confidential consultation.

How to Choose a Personal Injury Attorney

If you or a loved one has been injured in an accident, you may be considering a personal injury claim to recover compensation. An important decision in this process is hiring a personal injury attorney to protect your legal rights and seek full and fair damages for your claim. So what should you be looking… Continue Reading

Understanding NJ Car Insurance Policies and Injury Compensation Recovery

Each state in the United States is given the discretion to choose what types of insurance policies are made available for drivers of all kinds of vehicles. In New Jersey, state policies are such that insurance companies offer drivers two important types of car accident injury coverage: “limited right to sue” and “unlimited right to… Continue Reading

Motorcycle Injuries and Your Motorcycle Insurance Policy

In the United States, each state is given the power to choose what kinds of insurance policies will be available for motorists of all kinds, including cars, trucks, motorcycles, and recreational vehicles such as boats or jetskis. New Jersey has chosen to employ a “no-fault” insurance policy, meaning anyone involved in a car accident or… Continue Reading

NJ DUI/DWI Law Debate Continues

Following last month’s tragic deaths of two grandparents at the hands of a drunk driver, the debate over New Jersey’s drunk driving laws has resurfaced among lawmakers, residents, and the media alike. In the drunk driving accident in question, Frank Cabezas, 23, who had already had his license suspended for a previous DUI/DWI arrest, was once… Continue Reading

Personal Injury Settlements

Even though television shows and movies love to portray personal injury claims through dramatic courtroom battles, this portrayal is actually fairly misleading. This is due to the fact that almost 97% of all personal injury claims are resolved through settlements, rather than jury verdicts. Resolving a personal injury claim for injuries from a car accident,… Continue Reading

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Ready to Represent You

Chamlin, Rosen, Uliano & Witherington of West Long Branch, New Jersey, provides representation throughout Monmouth County including Asbury Park, Belmar, Colts Neck, Deal, Eatontown, Freehold, Hazlet, Holmdel, Howell, Lake Como, Long Branch, Manalapan, Manasquan, Marlboro Township, Middletown, Neptune, Oakhurst, Ocean Township, Redbank, Shrewsbury, Spring Lake, Tinton Falls, Wall Township, West Long Branch, and Freehold Township; Ocean County including Bayville, Brick, Jackson, Lakewood, Lakewood Township, Mantoloking, Point Pleasant, Point Pleasant Beach, and Toms River; Middlesex County including East Brunswick, Milltown, New Brunswick, Old Bridge Township, Perth Amboy, Sayreville, South Amboy, South River, and Spotswood.

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