Do I Have a Case to Sue My Insurance Company?
Legal Representation for West Virginia Policyholders
The Law Firm You Can Trust
Were you treated unfairly by your insurance company, an insurance agent, or the insurance carrier responsible for paying your claim? Did you suffer financial loss as a result? If so, you may be wondering if you have a case to pursue damages. Read on to learn if you may be eligible to sue for recovery of your financial losses and other damages. There is a very short statute of limitations and time is of the essence. If you believe you may have a claim, contact us immediately to protect your rights.
Your Insurance Policy Is a Legal Contract
Your insurance policy is a legal contract between you and your insurance carrier. When you pay your premiums, the carrier promises to provide reimbursement for specific types of loss. Generally speaking, if an insurer or their agent has reneged on their legal duties to you as a policyholder, you may have a valid claim that can move forward; however, it is very important to keep in mind that not all claim denials or negative actions on the part of your insurance provider rise to the level of a “bad faith” action that constitutes an illegal practice.
Answers to Frequently Asked Insurance Dispute Questions
To help you determine if your insurance provider has acted in bad faith, Angotti & Straface Attorneys at Law has provided a basic overview of answers to some of our most frequently asked insurance dispute questions. Keep in mind that the facts of each case always vary, but if you have experienced what you believe to be a violation of sanctioned insurance business practices, you may have a case. To get the most accurate answers to your questions, please contact us and let us know what happened to you.
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Is Your Insurance Company Offering Less Than What Your Claim Allows?
If you have suffered a covered peril or loss under the terms of your insurance policy, you may be able to recover up to the full maximum amount listed in your declaration of coverage for the true amount of your loss. If your insurer is attempting to settle your claim for less than “the amount to which a reasonable man would have believed he was entitled by reference to written or printed advertising material accompanying or made part of an application,” you may be able to sue your insurer to recover compensation for your losses. To learn more, request a free initial consultation with Angotti & Straface Attorneys at Law.
Is Your Insurance Company Forcing You Into a Lawsuit?
Insurance companies that frequently compel their customers to pursue litigation as a means to collect the amounts they are due as a general business practice may be found to have unfair claim settlement practices. This is particularly true when the amount of final recovery is similar to the amount in the initial claim. If you are a policyholder who is being forced to initiate a lawsuit against your insurer due to inappropriate conduct, contact Angotti & Straface in Morgantown to learn more and find out if you require dedicated legal counsel and representation for your legal dispute.
Did Your Insurance Company Cancel Your Policy Without Notice?
Insurers that engage in retroactive policy cancellation, withholding critical information about the solvency of an insurance carrier, or the failure to provide advance notification of policy cancellation may be found to have committed a violation of law. These and other unfair acts are generally considered to be illicit practices in West Virginia. To find out if you may be able to recover damages you suffered as a result of an insurance policy cancellation that occurred without notice, contact Angotti & Straface Attorneys at Law. Please keep in mind that there is a very short statute of limitations. Don’t delay.
Is Your Insurance Company Breaching the Terms of Your Policy?
Your insurance policy is a legally enforceable document. If your insurer is using deceptive or unscrupulous techniques to avoid honoring their duties to you as listed in the terms of your policy, this breach may be illegal. If you believe you have been treated unfairly as a result of the unfair denial of a valid claim, unreasonable delay or mishandling of your legitimate claim, or other breach, contact the proven attorneys at Angotti & Straface to find out if you are able to pursue compensation for your losses.
Is Your Insurance Company Ignoring Your Calls and Communication?
Your insurance company has certain legal duties toward their customers in West Virginia. If your insurer is ignoring your phone calls and attempts to communicate with them, failing to call you back, intentionally delaying the processing of your claim, or otherwise neglecting their duties to you as a policyholder, you may have a claim against the insurance company – and possibly your insurance agent, as well. Let us know what is going on. Contact Angotti & Straface to find out if we can file a lawsuit on your behalf to hold your insurer accountable.
Is Your Insurance Company Avoiding Providing Clear, Direct Answers to Your Questions?
Whether your insurance agent does not know the answers to your questions or is intentionally avoiding providing you with clear and direct answers to your policy questions, he may be neglecting his legal duties to you as a policyholder if he cannot properly do the duties of his job. In West Virginia, insurance agents are expected to be competent. That is to say, they should understand what they are selling you and what the policy does and does not cover – and they must be able to relay this information to you in a manner you can understand. If you were misled or provided false information that caused you to experience significant financial loss, you may be able to recover these damages by filing a lawsuit. Contact Angotti & Straface Attorneys at Law to learn more. Time is of the essence. Don’t delay.
What Damages Can I Recover In a Lawsuit Against My Insurance Company?
If your insurer is shown to have breached the covenant of good faith and fair dealing in a West Virginia court, you may be able to recover significant financial compensation. These compensable damages may be extensive and, depending on the actual facts of your case, may include all actual financial damages cause by the breach, as well as your loss of use of the policy proceeds, general damages, consequential losses, and your attorney fees, as well. In some cases, when the misconduct is particularly egregious, you may be awarded significant punitive damages in addition to the above mentioned compensation.
Request Your Free, Confidential Initial Legal Consultation
If you have decided to pursue litigation against your insurer for the harm they have caused you, it is essential to secure solid legal representation. Your insurance company has access to exceptional attorneys. You deserve the same – and Angotti & Straface Attorneys at Law delivers.
The illegal tactics used by disreputable insurance companies are continuously changing, but wrong is wrong. If you believe you have been treated unfairly despite your best efforts and you have suffered a significant financial loss, you may be able to sue your insurance company, recover compensation, and hold the deceptive insurance company responsible for their actions. To find out if you have a case, contact us. We offer a free case evaluation for victims of nefarious insurers. There is a very short statute of limitations, so contact us immediately to safeguard your rights.
Serving Tyler, Hancock, Ohio, Wetzel, Brooke, and Marshall County, WV
Angotti & Straface Attorneys at Law’s Insurance Litigation Team serves clients in Wheeling, Weirton, Moundsville, New Martinsville, and surrounding areas in and around the Northern Panhandle of West Virginia. Don’t delay. The clock is already ticking. Call now to get started: (304) 292-4381.