Uninsured and Underinsured Motorist Claims
If you are in an automobile or other vehicular accident and the person who is at fault either has less insurance than you or no insurance coverage at all, you may have an uninsured or underinsured motorist claim against your own insurance company. Many people pay for these types of insurance without giving them any real thought. But, once you’ve been injured by a negligent party with no or little insurance, you are in an adversarial relationship with your own insurance company. It’s often helpful to have legal advise to interpret the policy, know what your rights are, and get you full compensation under the law. At O’Reilly & Preston, LLC, we represent individuals in insurance disputes concerning uninsured and underinsured motorist claims. Remember, the insurance adjustor is not there to help you, but to save the insurance company money. Under these circumstances, it’s important to protect your own rights.
Denial of Coverage
If you have made a claim under your homeowner’s insurance, your liability insurance, or have demanded that an insurance company defend you from a claim made by another, and you’ve been denied coverage for these claims, you may have legal rights that you are not aware of. At O’Reilly & Preston, LLC, we assist individuals and businesses in disputes with insurance companies as part of our practice. If you feel that your rights as a policy holder have been violated by your own insurance company by a denial of coverage, you should seek legal advice.
Denial of Disability
If you have a private long term disability policy with your employer or one that you’ve privately purchased, you have rights under your disability policy. If you have filed for long term disability and been denied your claim, you have a right to have your claim appealed within your insurance company’s claims process, but also you have rights in court through the Employee Retirement Income Security Act (“ERISA”). You may have very quick time deadlines if you have been denied your disability under a private policy. If you believe you’ve been wrongfully denied, please contact us immediately.