Insurance companies can be so friendly and efficient when it comes to selling insurance policies and collecting the monthly premium payments from their customers. Unfortunately, many people find out that these same insurance companies can be completely different when it comes to paying claims. Once an insurance company receives a claim, it is suddenly very difficult to get ahold of anyone at the insurance company, and when you do get ahold of someone, it seems like that person is just trying to find some tiny technicality in the policy whereby they can avoid paying your claim. It is truly very frustrating when the very organization that is supposed to protect you in a time of need -- your insurance company -- does not help you but instead adds to your problems.

When a consumer makes a claim under an insurance policy, the insurance company generally has the obligation to:

• Investigate insurance claims thoroughly and fairly
• Respond to an insured person's requests and questions regarding an insurance claim within a reasonable period of time
• Provide the insured person with a full copy of the insurance policy on request
• If the insurance company pays less than the full amount requested, the insurance company must explain in writing the reasons why it did not pay the full amount

An insurance policy may be full of confusing or ambiguous wording. An insurance company does not have the right to interpret ambiguous wording in their own favor. On the contrary, if you believe your insurance company may be trying to avoid your claim by mincing words, we encourage you to contact us for a consultation.

Examples of the kinds of insurance policies which often generate disputes are:

• Homeowner's Insurance
• Renter's Insurance
• Car Insurance, Classic Car Insurance, RV Insurance, and Motorcycle Insurance
• Title Insurance
• Private Disability Insurance
• Personal Liability Insurance Polices (PELP)
• Umbrella Insurance Policies
• Life Insurance
• The Various Forms of Business Insurance

On a case-by-case basis, Cress Law Firm also assists individuals with disputes involving employment-related and payroll-funded insurance including:

• Employer-provided insurance claims ("ERISA claims")
• COBRA Violations
• California Unemployment Insurance

Many legal matters involving these kinds of insurance involve multiple legal issues that cross over into the area of employment law. Since Cress Law Firm also provides services in the area of employment law, we are well-equipped to handle these kinds of insurance disputes. 

If you are having a dispute with your insurance company involving $5,000 or more, please contact Cress Law Firm to discuss your claim.