The team at Coker Law is working together to ensure that our valued staff, clients and families are following all recommendations provided by our local, state and national leadership. We know this is a stressful time with many changes occurring, so we want to reassure you Coker Law is taking every measure to ensure the welfare of our staff and the continuity of our service to our clients.

We are communicating with the courts to reschedule any postponed proceedings and will be pro-active in informing our clients of those new dates. Our office is now open during normal business hours and we are taking all necessary precautions to ensure the safety of our staff, clients and visitors. If you would like to meet with one of our attorneys in person we can provide masks, gloves and hand sanitizer upon request. Also be assured that every staff member is sanitizing their work space each day and common areas are sanitized after each use. We are also monitoring staff temperatures daily. We remain available by phone and videoconference if you prefer. Your safety and well being is always our top priority.

Our thoughts are with all those impacted by the Coronavirus, and we wish to express our utmost gratitude to the healthcare professionals working tirelessly to care for our community

Insurance Disputes

INSURANCE-DISPUTESYou purchase and pay good money for insurance to protect yourself and your loved ones. And then in your time of need, your insurance company does not live up to their promises. They delay or deny payment of valid claims for benefits under your insurance policy. They retroactively cancel your policy after you make a claim. Maybe they fail to resolve your claim amicably even when they could and should have done so. If any of these situations have happened to you, you may be a victim of insurance claim denial or “bad faith.”

When an insurance company issues a policy of insurance, that company promises that it will act in good faith and deal fairly with its insured. Insurance companies that fail to live up to the terms of their policies are acting in bad faith and may be liable for damages in excess of the policy’s limits. Insurance companies want to avoid paying claims as it saves them money. Insurance companies receive thousands of claims daily and wrongfully deny many of them. Very few people actually dispute their claim, which wrongfully keeps millions of dollars with the insurance company.

09Fortunately, there is legal help for policyholders in insurance disputes. Our firm represents all types of policyholders in insurance denial claims. Our attorneys also help policyholders who have been damaged by “insurance bad faith.” We have decades of experience standing up for the rights of policyholders in insurance coverage disputes and bad faith claims.

If an insurance company refuses to pay your claim, denies payment or offers an insufficient amount, you need an experienced attorney to enforce the insurance company’s obligations. You should never have to represent yourself alone against an insurance company or accept an unfair settlement offer.

When you purchase an insurance policy, whether for life insurance, disability insurance, homeowners insurance, automobile insurance or any other type of policy, you are entitled to the full benefits of the policy if you have a covered claim. If the insurance company refuses to pay or if it unreasonably delays your payment, you may have a “bad faith” insurance claim.

Examples of Insurance Bad Faith include:

  • Failing to promptly and thoroughly investigate a claim
  • Unreasonable interpretations in translating policy language
  • Refusing to settle the case or reimburse you for the entirety of your loss
  • Unreasonable denial of benefits
  • Termination of an insurance claim that should have been paid
  • Unreasonable delay in making payments
  • Unreasonable failure to defend you when you have been sued under your liability insurance
  •  Unreasonable settlement offer for a valid claim

Insurance policies are very confusing and filled with many loopholes that can keep you from getting all the benefits you are due. If you are having a problem collecting benefits you feel you are entitled to, bring your policy and documentation to Coker Law for a free consultation. After a review of the policy, we will be able to determine whether coverage applies for your loss, and whether or not the Insurer has committed “bad faith.” To speak with a Coker Law attorney or for more information, call (904) 356-6071 or click here to schedule a free consultation.