Insurance Claims Lawyer in Clare, Michigan
When an insurance policy is purchased, policy holders expect the policy to be honored in the event of an injury or property damage. Unfortunately, that is not always the case. Insurance companies will do everything possible to devalue or deny claims, sometimes without a legitimate reason. When this happens, you need an experienced insurance claims attorney by your side to fight for your rights and help you obtain the insurance benefits you are eligible to receive.
Jay Trucks & Associates has recovered millions of dollars in verdicts and settlements for our clients. President and Attorney Todd Trucks has over three decades of legal experience representing victims who have had insurance claims delayed, devalued or denied. He is also a member of the Michigan Association for Justice.
Reach out to our Clare insurance claims attorneys for a free, no-obligation consultation to learn more about the possible legal options available to you. We are prepared to answer all of your questions and represent you throughout the claims process, should you have a case. We offer our services on contingency, so you owe us nothing upfront and no fees unless we are successful in helping you obtain compensation.
Zero Upfront Fees; Free Initial Consultation
(989) 601-2554
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How Do I Know If I Have a Case?
Being involved in an accident that causes an injury or damage to property is often a traumatic experience. However, if you file a claim and your insurance provider pays you far less than your damages are valued at or denies your claim altogether, it can make the situation worse. You may be wondering if you are eligible to pursue a claim against your insurer for acting in bad faith.
Every situation is different. To determine if you may have a case, our legal team needs to get a better understanding of what happened in a free consultation. Several factors will be considered, such as:
- Your insurer’s reason for denying your claim
- Whether the insurance company wrongfully delayed payment
- Why you were offered a settlement that was significantly less than the value of your claim
- Whether your provider conducted a reasonable claims investigation
- If the insurance company failed to disclose certain policy information
Types of Insurance Claims Disputes
At Jay Trucks & Associates, we are committed to helping clients settle many different types of insurance claims disputes, including but not limited to:
Car Insurance Claims
Homeowners/Renters Insurance Claims
Natural Disaster Insurance Claims
Disability Insurance Claims
Health Insurance Claims
Life Insurance Claims
Long-Term Care Insurance Claims
Regardless of the claim, insurance companies have an obligation to act in good faith. If you are having issues obtaining compensation from an insurer, contact a qualified Clare insurance claims lawyer from our firm to schedule a free consultation. There is no risk in calling us and no obligation to move forward.
Why Insurance Claims Are Often Denied
Insurance claims are often denied for a variety of reasons. It is important to remember that insurance companies are for profit businesses, and as such, their primary goal is to reduce the amount of money paid on a claim whenever possible. Their best interests will always come first, so they may interpret or manipulate the language in a policy to support delay of a payment, devalue a claim or deny a valid claim altogether. An insurer may allege the following:
- The policy excludes or does not cover your specific injury or property damage
- Your specific injury or property damage falls below the policy’s deductible
- The policy has lapsed because premiums were not paid on time or at all
- Your specific injury or property damage falls outside the policy’s coverage
- You have already exhausted your coverage limits
- You have a pre-existing injury or chronic medical condition
- You failed to notify the insurance company prior to the deadline
If this has happened to you, we encourage you to seek legal representation as soon as possible. Our qualified Clare insurance claim lawyers know how insurers operate and are prepared to communicate and negotiate with the insurance company on your behalf.
Advantages of Hiring an Insurance Claims Lawyer
Dealing with a devalued or denied claim can be difficult and overwhelming, especially when you expect the insurer to cover your personal injury or property damage. By hiring a licensed lawyer who handles insurance claims disputes, you will have a strong advocate by your side to protect your rights. He or she would be able to investigate your claim thoroughly and help you pursue legal action for your losses.
Our insurance claims lawyers in Clare are knowledgeable, resourceful and well-versed in insurance policies. We know how to determine if an insurer is being deceptive or intentionally using certain wording to keep policyholders from understanding what is actually included in their coverage.
We also have in-depth knowledge of federal and state insurance laws. This includes the Unfair Claims Settlement Practices Act, which protects policyholders from unjust behavior by insurance companies when settling claims. Under Michigan law, certain unfair and deceptive practices committed by an insurer with regards to claims are also protected, such as:
- Misrepresenting facts or policy provisions
- Failing to acknowledge or act reasonably or promptly with communications
- Failing to promptly initiate an investigation of your claim
- Refusing payment before fully investigating your claim
- Failing to deny or approve a claim within a reasonable time
- Attempting to settle a claim for less than it is worth
- Failing to promptly settle when liability is reasonably clear
Should you have a case and we represent you, our legal team is prepared to determine if your insurance claim was denied due to bad faith, meaning the insurer acted with intent to defraud or deceive. Allow us the opportunity to explain how the law may apply to your particular circumstances in a free legal consultation.
Resolving Insurance Disputes in Michigan
Insurance disputes in Michigan must be directed to the Department of Insurance and Financial Services (DIFS). The DIFS will determine whether your insurance company has properly followed state insurance law and your policy language in their processing of your claim.
You must file a written complaint with the name of the insurer and/or insurance agent involved in the dispute, include policy and claim numbers, any previous contact details with the insurer or agent regarding your claim as well as copies of documents that supports your dispute.
A reputable Clare insurance claims lawyer is ready to help you gather the necessary documents from the insurance company, such as a list of specific rules or language in the policy that allows them to deny or exclude coverage as well as copies of documents you signed when you first purchased the policy.
Once the dispute has been filed, the DIFS will give the insurance company a certain amount of time to respond and provide all the necessary forms required, such as proof of loss. The DIFS will then respond with their findings and help you to understand your options.
Contact a Clare Insurance Claim Attorney Today
If you believe the insurer has handled your claim unfairly, we recommend speaking with a Clare insurance claim attorney for legal help. Jay Trucks & Associates has represented many clients over the decades, helping them recover more than $500 million in compensation. Our legal team is ready to fight for your rights and best interests to try to seek maximum compensation for your losses.
Schedule a free consultation with no risk or obligation to pursue legal action. You will have no upfront costs, and we only get paid at the end of the legal process if we help you obtain a recovery.
(989) 601-2554
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About Clare, MI
Situated in the heart of Michigan's Lower Peninsula is the charming city of Clare, a delightful location brimming with years of rich history and an incredible array of landmarks. The historic Doherty Hotel, Pioneer Park, and the revered Clare Congregational Church are just some of the many highlights that paint a stunning picture of Clare's heritage. Top-tier establishments such as MidMichigan Medical Center and Clare Castle Senior Housing further add to its distinctive character.
Strategically positioned at coordinates 43.8264° N, 84.7680° W, Clare's city center serves as the heartbeat of this exceptional territory. With a current population of around 3,173, Clare's community is an amalgamation of various cultures and backgrounds.
Harnessing these unique aspects of Clare MI is none other than Jay Trucks & Associates, PC, Michigan's leading personal injury lawyers. Our firm conscientiously caters to neighborhoods such as Grand Avenue, Wilcox Parkway, and Beaverton Road, delivering customized legal solutions attuned to each client's specifications. From John R St to W 7th St, our team ensures each neighborhood gets dependable legal support, tailored for Clare's local market.
Aware of Clare MI's seasonal climate variations, we prioritize our clients' comfort, scheduling consultations and meetings that suit their convenience.
As aligning legal procedures with local regulations is crucial, this facet is handled proficiently by our expert team. Comprehending Clare MI's legal jurisdiction, we ensure compliance with all local stipulations.
As a devoted member of Clare's eco-conscious community, we employ sustainable initiatives like utilizing recycled materials and prioritizing paperless strategies, magnifying our commitment to preserving the environment.
Through our extensive offering of tailored legal solutions, Jay Trucks & Associates, PC empowers the citizens of Clare MI in their pursuits for justice. Let our seasoned Michigan personal injury lawyers assist you. Immerse yourself in Clare MI's distinctive qualities, and experience our commitment to serving you.
Neighborhoods in Clare, MI
Things To Do in Clare, MI
Pettit Park
Clare County Historical Society
Jay's & Webber Wildlife and Education Center
Stamina Stadium & McIreland Nature Trails
Herrick Recreation Area
Emerald Isle Recreation Park
Isabella County Parks - Herrick Recreation Area
Brookwood Athletic complex
Clare County Convention & Visitors Bureau
Clare
Clare Welcome Center
Deerfield Nature Park
Clare Antique Mall
Ruckle's Pier
Lake Shamrock
CMU Museum of Cultural and Natural History
The Trap Door Speakeasy
Mt. Pleasant Discovery Museum
Map of Clare, MI
