Insurance Claims Lawyer in Clare, Michigan

At Jay Trucks & Associates, PC, we are committed to helping clients settle many different types of insurance claims disputes, including but not limited to:

Car Insurance Claims

Car insurance offers financial protection in the event of an accident. Anyone who owns or drives a vehicle must carry state-minimum liability coverage. This includes bodily injury coverage per person/per accident. If you file a first party claim after a crash, you expect the insurer to cover your costs, up to the policy limits. However, many insurers may reject or delay payment of claims or tell you that the loss is not covered under the scope of your policy.

Homeowners/Renters Insurance Claims

Homeowners/renter insurance policies provide varying levels of coverage and compensation for property damage to your belongings, such as furniture, clothing and electronics, as well as the structure of the home itself. After a break-in, you expect the insurer to pay full value on your claim. Unfortunately, there may be certain limits or exclusions specified in your policy, so it is important to understand what your policy will and will not cover.

Natural Disaster Insurance Claims

This insurance helps protect Michigan residents from damages caused by natural disasters, such as earthquakes, tornadoes, and windstorms. It provides compensation for damages as a result of these events. However, it is important to review your policy to make sure that it covers what you need. For example, if you live in a flood zone, it is important to make sure your policy includes that coverage. Flood insurance may often be separate. Claims disputes with insurers often happen with concern to policy limits and exclusions.

Disability Insurance Claims

Disability insurance helps pay a percentage of your income and covers reasonable and necessary medical expenses when you can no longer work due to a temporary or permanent disability. It can cover paid sick leave, as well as short and long-term disability benefits. This coverage could also help pay for physical therapy not covered by health insurance, including some or most costs to modify a home to accommodate a disability.

Health Insurance Claims

Health insurance helps provide financial protection in the event of a severe accident or illness. Benefits vary, based on your provider and the coverage you selected, but could include emergency services, hospitalization, surgery, medications and imaging tests. Sadly, policyholders often struggle to cover their medical bills as insurers reject claims for one reason or another. For example, a provider may deny coverage for a medical procedure they classify as experimental or elective.

Life Insurance Claims

Life insurance helps pay a lump sum benefit to your beneficiaries after your death. This coverage provides for funeral and burial expenses, loss of income you would have earned if still alive, daily living costs and other similar expenses to provide for your surviving family members. It is vital to review and understand the fine print in these policies since insurers have many vague exclusions to try to reduce their payout on claims. For instance, if you are an outdoor adventure-seeker, you may want to know whether there are any exclusions for deaths caused by dangerous activities, like bungee jumping.

Long-Term Care Insurance Claims

Long-term care provides for care of chronic medical conditions that may not be covered under regular health insurance, such as costs associated with a permanent disorder, like Alzheimer’s. Long-term care services also provides daily assistance within a nursing home or assisted living facility to those who are unable to perform daily tasks, such as bathing, dressing, eating, taking medication and managing money.

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.