Insurance Fraud

Insurance companies are notorious for practices that are designed to keep them from paying you all of the benefits you are due. Sometimes, it can be years later that evidence of fraud, discrimination, or unfair selling practices are revealed. Hernandez Law P.C. has dealt with many insurance companies over the years. We are experienced in interpreting policy provisions. We believe that if an insurance company agrees to pay benefits in the event of a loss, they must be held accountable. If you are having a problem with collecting benefits or you believe you have been treated unfairly, call us for an appointment so that we at Team of Hernandez Law P.C. can help you to receive everything you are entitled to.

Catastrophic Injury

Victims of catastrophic injury frequently depend on insurance company claims to pay for medical bills and other monetary issues. If you have filed a legitimate claim with an insurance company, and your claim has either been denied or substantially delayed, you may have grounds for an insurance bad faith lawsuit. Insurance companies are obligated to handle your claim expediently, reasonably, and in good faith. The duty of good faith denotes: adjusting your claim promptly, cooperating with you in regards to your claim, explaining in writing why a claim has been denied, attempting to find a reason to pay the claim (rather than finding a reason not to), and being "fair" with the claimant. As the claimant, you are obligated to submit your claim for benefits in a timely fashion, provide information requested by the insurer (if and when the company is entitled by law), make a statement under oath, and cooperate with the insurer in regards to your loss. When you contact the attorneys at Hernandez Law P.C. we will ensure these steps are completely accurately and efficiently

Claims and the Various Types of Damage

If you have fulfilled your obligations to the insurance company and, despite your repeated written requests, failed to receive notice regarding your claim, your claim as been denied, or appeal has been denied, you need to hire a bad faith attorney. Not only can an experienced lawyer help you resolve your claim, you may also be entitled to compensation for additional damages. If it can be proven that the insurance company acted unreasonably in denying your claim, you may sue for consequential damages, extra-contractual damages, and punitive damages. Consequential damages include compensation for expenses resulting from the claims’ denial. Extra-contractual damages include compensation for mental and emotional distress. Punitive or "exemplary" damages are assessed to punish the insurer and their employees by discouraging them from acting in bad faith in the future. Punitive damages can be hard to recover; however, to receive compensation we must prove the insurance company acted with blatant disregard of its responsibilities to the claimant. Don't let the insurance company deny your claim or make you settle for a low offer. An experienced insurance bad faith attorney can give you the leverage needed to get the compensation you deserve. Just as there are time limits on filing a claim after a loss, there are limitations on bad faith lawsuits following the denial of a claim. To learn more about insurance bad faith or to schedule a consultation with one of our lawyers, please feel free to contact our offices toll free at 1-800-444-8810.