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Milwaukee insurance coverage litigation lawyerWhen someone suffers a personal injury, they may struggle with a variety of financial issues involving the need for medical treatment and the inability to work and earn an income. Insurance companies become involved in many of these cases, and an injury victim will often be covered by an insurance policy held by the person who caused the injury. Unfortunately, many accident victims come to find out that insurance companies can be unreasonable. 

When a person files an injury claim, the negligent party’s insurance company will often offer to pay a certain amount based on the amount of coverage. However, these offers may not fully cover the victim’s expenses or meet their needs. In these cases, a victim may choose to pursue litigation against the insurance company and/or the negligent party.

After a lawsuit is filed, the parties will conduct discovery, during which evidence will be gathered and depositions will be taken. After this process is completed, the attorneys for the victim and the insurance company may be able to agree about the extent and dollar amount of damages. At this point, a settlement can be reached.


Milwaukee accident insurance claim denial lawyerIf you have filed a claim with an insurer following a car accident and received a denial, you are not alone. This happens to many accident victims, but it does not necessarily mean that you are without recourse. Take these steps to help you determine your legal options following the denial of your claim: 

Understand Why You Were Denied

While all denials lead to you not being paid for your losses, there are many reasons why an insurance company could deny your car insurance claim. These reasons may include:

  • The policy does not provide coverage for the claim. It may be that the policy you selected does not cover the loss you experienced. For example, some people opt to forgo collision insurance and only take out a liability insurance policy, the minimum required by law.
  • The driver does not qualify as a person insured by the policy.
  • The accident took place during a lapse in coverage caused by the policyholder’s failure to pay premiums.
  • You have reached policy maximums for insurance coverage amounts, and your insurer will not cover your entire loss.
  • You failed to notify your insurance carrier about the purchase of a new vehicle.

In many cases, insurers issue a denial because they believe that the policy at issue does not cover the loss. Sometimes, however, insurers make a denial in bad faith, which is against the law. If you believe that this is the case, you should speak to a lawyer as soon as possible.


Milwaukee insurance coverage dispute attorneys, insurance coverage litigation, property damage claim, property damage,  insurance policyThe purpose of having homeowner’s insurance or renter’s insurance is to provide you with a safety net when the unexpected happens. You pay your monthly premiums with the understanding that if your property is damaged, you will receive payment to cover your losses.

In ideal situations, you will file a claim after your property is damaged and your insurance company will cover the costs of repairs according to your policy. However, it is in these companies’ best interests to avoid paying out money. Hence, claims are often denied.

Therefore, it is important to be aware of the questions that your insurance company will ask after you have filed a claim and to be prepared to provide answers that will ensure you receive payment. The correct answers can put you in a good position if insurance coverage litigation is required.


Milwaukee insurance coverage dispute attorneys, insurance claim, homeowners insurance claim, insurance dispute, insurance denialA homeowner’s insurance policy is meant to cover losses on your home and when you consistently pay the monthly premiums for that policy, you expect your insurance company to pay when a loss does occur.

In many cases, a homeowner’s insurance policy operates as it should. However, sometimes insurance companies try to avoid payment under the terms of their own policies.

If you sustain a loss that you believe is covered by your homeowner’s insurance policy and your insurer rejects the claim, your insurance company should explain to you in writing reasons for denial of your claim, including which provisions your claim does not meet or which provisions preclude you from having a valid claim. You should re-read these sections of your policy so you can understand the insurance company’s reasoning fully and in context.

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