It’s Your Story – And We Are Here To Tell It

Holding Your Insurance Company Accountable For The Terms Of Your Policy

When you pay your insurance premiums, you have a right to expect your insurance company to be there if you have a claim.

In many cases, however, insurance companies will arbitrarily deny legitimate claims simply to avoid the expense. Many people make the mistake of taking the insurance company at its word and covering the losses themselves, which only lets the insurance company off the hook for its obligations.

Don’t take the insurance company at its word if you believe that your claim has been unfairly denied; contact Hoy Law today. We have the litigation skills and in-depth knowledge of the insurance industry to represent victims of bad faith tactics by insurance carriers.

Know Your Rights Under Your Insurance Policy

It’s a common scenario: You buy insurance for a particular need, get the policy and don’t think about it again until you file a claim. You call the insurance company about the loss and receive a reply that indicates that your policy doesn’t cover it. Not having reviewed the policy in detail, you think it’s strange, but you accept the explanation. After all, the insurance company wouldn’t lie, right?

We believe that insurance companies are deceptive. They don’t treat you like you are a “good neighbor,” they are not “on your side” and you will never feel like you are “in good hands.” Insurance company representatives are friendly but aim to protect the companies’ profits. You are not their investment.

Unfortunately, denying claims is business as usual for most insurance companies – even claims that are clearly covered under your policy. Our attorneys are highly skilled at the review and interpretation of insurance policies. We know where to find the terms that address your claim and present them to the court in a way that clearly shows the insurance company’s responsibility for your loss.

Call us at 605-937-8371.

We have experience with bad faith claims involving all types of policies, including:

  • Health insurance: Many health insurance companies dispute claims based on many technicalities. We will work to establish the insurance company’s responsibility and seek the full level of recovery available through your policy.
  • Disability insurance: Many disability insurance companies are willing to pay only for a certain period of time. We will hold them to the terms of the policy and seek the full benefit on your behalf.
  • Medical payments under your auto insurance: If you suffer an injury in an auto accident, your insurance company has an obligation to cover your medical expenses under your medical payments coverage and seek reimbursement from the at-fault party’s insurance.

Do not let anyone tell you that you need to go through your health insurance first. We will work to ensure that any medical bills arising from your accident are covered under the coverage you paid a premium for.

Getting Good Answers To Questions About Bad Faith

Bad faith insurance puts you in the toughest position you may ever be in because it violates the spirit of the insurance agreement. You did everything you were supposed to do, and now the insurer is trying to leave you holding everything. It’s natural to have questions, and we want to answer them for you. Below are a few that we get most frequently.

What Are The Common Tactics That Insurance Companies Use To Deny Claims?

When it comes to denying a claim, insurers get creative. They will use any pretext available to deny a claim, including:

  • Implying you were at fault
  • Failing to conduct an insurance investigation
  • Underpaying for claims
  • Deceptively representing the law
  • Deceptively interpreting your policy

However, most insurers can deny a claim without having to fall back on a pretext at all. They may simply deny your claim without providing a reason.

What Types Of Insurance Claims Do Insurance Companies Deny?

An insurance company is in the business of maximizing profits while minimizing costs. That’s the only goal. That means an insurance company can and will deny any type of insurance claim, including:

  • Medical claims
  • Car accident claims
  • Catastrophic losses for businesses
  • Disability claims

Any time a company believes it can deny a claim, it will.

What Can I Do If Insurance Denies My Claim?

If the insurance company denies your claim, the first thing you should do is not panic. You have opportunities to pursue action, but to do that, you will need to reach out to an attorney.

How Can A Lawyer Help Me In An Insurance Bad Faith Case?

An attorney will aggressively advocate for you from the beginning of your case to the end. They will understand the law and have experience in the claims process. If you’re facing a bad faith denial of claim, your attorney will know the signs intimately and move quickly to get you the compensation you deserve.

Talk To Our Law Firm About Your Bad Faith Insurance Claim

Contact our Sioux Falls, South Dakota, office to discuss your denied insurance claim with an attorney. We will conduct a thorough review of your case and let you know what we can do to help you.

You can reach us by phone at 605-937-8371 or via email to schedule a free initial consultation.