Insurance Litigation Lawyers in St. Louis

Insurance Disputes & Litigations

When you, the policyholder, pay insurance premiums, you expect the insurance company to hold up its end of the bargain when you have a loss. You did what you were supposed to do by paying the premiums, and now you need the insurance company to hold up its end and protect you from the loss with the insurance coverage. After all, this is why you purchased the insurance.

Unfortunately, far too often, the insurance company will look out for its own self-interest and not protect you from the loss. The reason for this is simple – the insurance companies make money by denying claims and hoping the insured won’t fight back.

This is not to say that all insurance companies do not pay. However, there are some companies that habitually deny claims and will only properly investigate a claim if the policyholder takes legal action and further proceedings.

At BWO, we are experienced in handling insurance litigation and helping clients recover the insurance benefits they are owed. Our law firm has the resources necessary to retain experts to fairly assess your claim and to fight the insurance companies. These insurance companies often have substantial resources to protect their interests in denying your claim. This is why choosing the proper insurance dispute attorney is of paramount importance.

If you are in dispute with your own insurance company, or you believe that your claim was undervalued, contact BWO today for a free consultation at (314) 862-6865.

Was the Insurance Claim Denied? What to do now?

It’s not uncommon for insurance companies to interpret and draft language in their policies in an effort to delegitimize or deny valid claims. Insurance companies lose money each time they payout on a valid claim. As a result, they have a significant self-interest in protecting their cash reserves by denying or looking for a basis upon which to deny claims.

Faced with the prospect of paying a stream of benefits over the years, insurers may look for a basis upon which to deny claims. When an insurance company denies or undervalues a claim, they may allege a variety of reasons, including:

• Your claimed loss is not included in your policy
• Your damages sustained are less than your deductible- which means you pay out of pocket.

In short, insurance companies will fight you every step of the way and will attempt to prolong your dispute- often with financially crippling results for you, the policyholder. If you have an insurance policy that covers wrongful death or personal injury, and you are being denied for that, consult with an attorney.

Working with an attorney who has knowledge of the insurance industry and experience in insurance litigation practice, coverage disputes to resolve coverage issues, acquiring a reasonable settlement, and in-depth knowledge of defense court and the district court can help you protect your rights.

Don’t be a victim to the insurance companies. Call BWO today at (314) 862-6865.

Types of Insurance Denial Disputes

There are some common reasons an insurance company uses to deny an insurance claim. If you or an insurer think that the reason to deny the claim is not right or an error, you can decide to file an appeal. In response to your appeal, the claim can be readdressed.

If you still find the insurance company denying the pre-agreed terms, you can consult with an attorney. Your attorney will help you decide the next step for summary judgment.

Here are some of the common reasons cited by insurance companies for denying claims.

1. Policy passages show that the policy excludes the coverage of the claim made.
2. Some injuries, procedures, or incidents are not covered by the specific the policy
3. Incomplete or incorrect information in the claim made by the insurers
4. An interruption or any change in the insurance coverage during the specified period that’s been mentioned in the claim.

What Types of Insurance Litigation Disputes Does Buchanan & Williams Handle?

At Buchanan Williams & O’Brien, our attorneys are committed to helping clients settle and litigate insurance claims disputes in a wide range of practice areas. Our firm has been well established for 40 years. Our attorneys handle many types of insurance disputes, examples of which include the following:

• motor vehicle
• homeowners
• fire claims
• tornadoes
• sinkholes
• business property losses

For insurance disputes or advice on how to handle questions regarding insurance disputes, contact Buchanan Williams & O’Brien today. Our firm has 40 years of experience helping clients solve problems and can help you with your trust or will lawsuit. Call (314) 862-6865 or contact us online to make an appointment.

Proactive Strategies to Prevent Insurance Disputes

Insurance disputes can be costly and time-consuming, but businesses and individuals can take proactive steps to minimize the risk of claim denials and coverage disputes. Understanding how to structure policies, document claims, and negotiate favorable terms is essential for protecting your interests before problems arise.

When structuring insurance policies, work with experienced insurance professionals to ensure comprehensive coverage. Review policy language carefully and request clarification of any ambiguous terms in writing. Consider adding endorsements to address specific risks unique to your situation, and maintain detailed records of all policy-related communications.

Effective claim documentation begins long before an incident occurs. Implement a systematic approach to record-keeping that includes regular property inventories, maintenance records, and incident reporting procedures. Photograph or video document your property periodically, especially after improvements or significant changes. When incidents occur, document everything immediately – take photos, gather witness statements, and maintain a detailed timeline of events.

Policy negotiation presents opportunities to strengthen your position. Consider incorporating specific claim handling procedures, definitive timelines for insurer responses, and clear definitions of covered events. Request removal of ambiguous policy language that could be used to deny legitimate claims. While insurers may resist some changes, businesses with strong risk management practices often have leverage to negotiate more favorable terms.

Common pitfalls to avoid include:

• Failing to read and understand policy exclusions
• Missing deadlines for claim submission or proof of loss
• Neglecting to maintain proper documentation of property condition
• Accepting standard policy language without attempting negotiation

For complex insurance arrangements, consider periodic policy reviews with qualified professionals. As your risks evolve, your insurance coverage should adapt accordingly. Regular assessments help identify potential coverage gaps before they lead to costly disputes.

Remember that insurance companies evaluate risk based on documented practices and procedures. Implementing robust risk management protocols not only helps prevent losses but can also lead to more favorable policy terms and fewer claim disputes.

Protect Your Insurance Rights Today

Don’t wait until you’re facing a claim denial to take action. Our experienced insurance litigation attorneys at BWO can help you review your current policies, implement effective documentation strategies, and negotiate stronger coverage terms. We understand the complexities of insurance law and can guide you in protecting your interests before disputes arise.

Take the first step toward securing your insurance rights. Contact Buchanan Williams & O’Brien at (314) 862-6865 for a comprehensive insurance policy review and risk management consultation. Your peace of mind is our priority.