Insurance is a necessity for the majority of Ohioans. When you initiate an insurance policy, you are entering a contractual agreement designed to provide you protection in the event of an unexpected occurrence. Although these contracts tend to be lengthy and exhaustive, it is possible that certain aspects may be subject to interpretation.
Insurance is used in dozens of everyday applications, some of which include:
- Auto
- Health
- Disability
- Employer Liability
- Homeowner
- Life
- Professional liability
- Renters
When an action occurs that prompts a claim, you may try contacting the company’s customer support, a support supervisor, the claims department, or reach out to your agent (if applicable). Once the communication has escalated without a resolution, it may be time to seek legal representation. Attorneys who address cases where an insurance company fails to honor their contracted obligations may be involved in different aspects of law---some of these may include employment, real estate, health, or perhaps personal injury.
Types Of Disputes
When an insurance company is believed to have not fulfilled their obligations, this is referred to as a breach of contract. If you file a claim with your insurer, they may indicate that coverage is unavailable or subject to exclusion, and issue a denial. Under Ohio law, insurers are supposed to extend coverage by allowing the policy holder the benefit of the doubt in many cases. This is generally referred to as acting in good faith. To prove that an insurer acted in “bad faith” requires proving they failed in their duty to demonstrate “reasonable justification” in their decision. Sometimes those filing a claim report that the insurer seemed to continue to delay, stating the claim is being reviewed and using tactics such as requesting that you resubmit.
If you find yourself involved in an insurance dispute, involving a personal injury attorney may be the best route for your situation. Involving professional legal counsel is a sure way to bring a quick solution to your case.
Are you involved in an ongoing dispute with your insurance company? The legal team at Gregory S. Young Co., LPA has been representing policy holders against insurers who are demonstrating unreasonable actions for over 50 years. Call the office at 888-783-1077 and we will listen to your concerns and assess the situation. We are committed to our clients and offer 24 hour availability for those in need of a personal injury attorney. We have satellite offices beyond Cincinnati including Blue Ash, Clermont County, Florence, Finneytown, Kenwood, Mason, Northgate, West Chester and Western Hills. Our firm has also successfully secured some of the largest verdicts and settlements in cases of wrongful death, vehicle crash, and medical malpractice.
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