Wrongful Claim Denial

Denial of Insurance Benefits

Wrongful claim denial is a primary form of insurance bad faith. Insurance companies simply deny a claim outright, saying that the policy did not cover the claimed event or that the insured completed the application incorrectly. These are two common examples of the excuses insurance companies use when denying claims. However, there are as many justifications for wrongful denial as there are types of insurance policies. Whatever the justification, legitimate unpaid insurance claims represent a breach of contract. Insurance companies should be held accountable.

Experienced insurance bad faith attorneys

At Surrano Law Offices in Phoenix, Arizona, our lawyers help policyholders whose legitimate claims for benefits have been denied by an insurance carrier. We have more than 25 years of combined experience handling insurance bad faith cases. If your claim for any type of insurance benefit has been denied, you may be able to file a lawsuit charging insurance bad faith. Contact our office to speak to an attorney who can advise you about your rights and options after a policy claim denial. Call (602) 264-1077.

Typical excuses for failure to pay

In addition to alleging a faulty application or uncovered event as an excuse for policy claim denial, insurance carriers also use strategies such as:

Post claim underwriting that changes the coverage after a claim is received
Requirements of proof of ownership not stipulated in the policy
Allegations that an agent described the policy coverage incorrectly
Statements of insurance fraud that charge misrepresentation by the policyholder

Bad faith and insurance company mistakes

In addition to demonstrating deliberate bad faith, insurance companies often make mistakes. They have determined that it is cheaper to correct mistakes after they are made than to prevent them from occurring at all. Therefore, insurance companies often fail to investigate a claim adequately, loose paperwork, and mix up policies. That is why policy claim denials should always be investigated. They can be the result of carelessness, not bad faith.

Unpaid insurance claims can happen with any type of policy

A wrongful policy claim denial can happen with almost any type of insurance. We have helped policyholders whose claims have been denied under their policies for:

We review the policy and the claim to see if the policy claim denial was correct. It is important to have a lawyer or other third party who knows the insurance industry do this for you, rather than your agent. Our senior lawyer, Charles Surrano, was with the Arizona Department of Insurance. He has seen almost every excuse used by insurance companies to justify a wrongful policy claim denial. If you have received a denial letter, let us use his experience to help you seek the benefits you deserve. Contact our law office today.

Serving clients throughout Arizona and the United States with insurance bad faith lawsuits