Life, Health, and Disability Insurance

San Diego Insurance Disputes - Life, Health, and Disability

If you have encountered problems with an insurance company regarding the payment of benefits under life or disability coverage, or if you have run into repeated obstacles with the coverage of claims under a health care policy, contact a knowledgeable attorney at The McClellan Law Firm in San Diego. We have long experience with the resolution of insurance disputes, and we can work toward getting you the benefit of the coverage you have paid for.

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, our lawyers 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, and 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 very substantial.

We can help you receive the full benefit of your contract of insurance. For additional information about our ability to help resolve insurance disputes in your favor, contact a Southern California trial attorney at The McClellan Law Firm in San Diego.