Your Attorney For Insurance Disputes
Insurance companies owe good faith and fair dealing to anyone that they insure. One of the more common claims that our attorneys in Memphis, TN is that of damaged property. When property becomes damaged, creating questions begin to be raised, questions like: Was there an improper investigation? Was there an appropriate valuation of the damaged property? Was there a refusal to review a claim?
Third party situations often also exist. These situations arise in liability situations such as auto insurance claims. The carrier has a duty to defend a claim and a duty to compensate them for fair loss. Bad faith can also occur in either situation.
If you believe an insurance company has dealt with you in bad faith, The Porter Law Firm, PLLC and our attorneys in Memphis, TN will review your dealings with the insurance company. If the conduct of the insurance company was particularly egregious, you may have a claim for bad faith.
UM/UIM is the abbreviation for Uninsured or UNDERinsured motorist coverage. This is a type of automobile insurance that people often carry (and should carry) on their own vehicle. This particular type of insurance is important because so many people are driving vehicles with either no insurance, or state minimum insurance. A UM (uninsured) claim exists when you have been either involved in a hit and run, or when you have been in a wreck with a driver that was not insured at all. A UIM (underinsured) claim is similar but is applied when the person has a smaller amount of coverage (such as the state minimum in Tennessee of $25,000) than the insurance policy you carry on your vehicle.
As an example: If the person who hit you only has a $25,000 policy of coverage, and you have a $100,000 UM/UIM policy, you could be able to collect damages up to the difference of the limits of your policy. (In that scenario, $75,000 from your policy and $25,000 from the driver policy for a total of $100,000).
If you carry a UM/UIM policy of insurance on your vehicle, and are involved in an accident, you may have to file a claim using your own insurance. You don’t have to worry that your premiums will increase, as Tennessee is a state that prohibits premium increases if the accident was not your fault. In a UM/UIM claim, your insurance company essentially defends the driver that hit you, and will then evaluate your claim from the position of the driver. To find out what your rights are, and what this coverage provides you after a car wreck, contact us at the The Porter Law Firm, PLLC today.
Do you need to resolve a dispute with your insurance company? Disagreements can arise from time to time about an amount due on a bill, the amount paid on a claim, or even the non-payment of claims.
You pay for an insurance policy, and have an expectation that the insurance company is on your side. Unfortunately this is not always the case. Has the insurance company misrepresented your policy? Changed your policy without telling you? Failed to acknowledge a claim? Insurance companies must promptly investigate, process and a resolve a claim in a reasonable amount of time. If there is delay or a claim is denied, it must explain the reason to the policy holder.
When you have a dispute with your insurance company that cannot be resolved to your satisfaction, call Matt Porter of The Porter Law Firm, PLLC. He will evaluate your claim and help you resolve your dispute with the insurance company.