INSURANCE LAW

Getting fair compensation from an  insurance claim for personal injuries or property damage. This is because insurance companies are often more focused on their bottom line than treating policyholders fairly when they file claims.

This is why you could benefit from hiring a New Jersey insurance lawyer to manage your insurance claim. An attorney will be a tireless advocate for your best interests, as opposed to the insurance company, which will do everything it can to deny or lowball your claim.

The New Jersey personal injury attorneys at Pagliara Law Group have many years of combined experience obtaining fair compensation from insurance companies for a variety of claims. Our lawyers will represent you on contingency, so your consultation is free and you will not be charged unless you are compensated.

TYPES OF INSURANCE CLAIMS

Our New Jersey insurance lawyers are prepared to represent you in many different types of cases involving car insurance and homeowner’s insurance, including claims involving damage from natural disasters like tornadoes and sinkholes and claims involving uninsured/underinsured motorist coverage.

We can represent you throughout the insurance claims process, helping you file your claim, dealing with the insurer on your behalf and negotiating fair compensation. However, we also take cases involving victims who contact us after struggling to obtain compensation from an insurance company.

For example, we take cases involving insurance companies that act in bad faith by unfairly denying your claim, delaying payment, ignoring your attempts to contact them or making unreasonable demands for evidence of your injuries or the amount of damages you have suffered.

Insurance companies often try to use loopholes in the language of the insurance policy to deny your claim or offer far less compensation than you deserve. For example, the insurance company may allege:

• Your damages or injuries are specifically excluded from coverage
• Your policy lapsed because you did not pay your premium or there was a delay in the payment of your premium
• Your injuries fall outside of the scope of your coverage, according to the insurer’s independent experts
• Your damages are less than what you claim they are

If you are attempting to recover compensation from an insurance policy, contact our New Jersey insurance attorneys today for a free, no obligation legal consultation. We can help you determine the best way to pursue the compensation you are entitled.

BENEFITS OF HIRING A NEW JERSEY INSURANCE LAWYER

Insurance companies, including your insurer, are businesses that are trying to make money so they will do whatever they can to deny or lowball your claim. If you want to have a chance of being treated fairly, you need to know what to say and what not to say to the insurance company, what documentation to provide, what your policy covers, and the full value of your damages.

Insurance companies want you to handle the process alone because they know you are not prepared to deal with the many aspects of claims process. Fortunately, you have the option of hiring an insurance lawyer in New Jersey to guide you through the process. There are many benefits to having an attorney at your side. An attorney can:

HANDLE ALL COMMUNICATION WITH YOUR INSURER

You should file an insurance claim as soon as possible after suffering an injury or property damage covered by your insurance. Contact the insurance company and provide the basic facts about what happened. If you have gone to the hospital or are going there soon, say you are seeking medical treatment.

From that point forward, our New Jersey insurance attorneys are prepared to step in and handle all communications with the insurance company on your behalf. We know how to advocate for your best interests when talking to the insurance company.

The danger of communicating with the insurance company yourself is that you could inadvertently say something that affects your amount of compensation. For instance, you might admit some amount of fault for the injuries or damages you suffered.

Insurance adjusters are trained to get victims to say incriminating things that allow your claim to be denied or lower your amount of compensation. Our insurance lawyers in New Jersey are prepared for this because we have been through the claims process numerous times.

If the insurance company wants you to sign something or give a recorded statement, we can review the request and determine how best to defend your interests.

HELP YOU COMPILE DOCUMENTATION

You will need various pieces of documentation to obtain fair compensation from your insurance company, such as:

Our New Jersey insurance lawyers will help you compile all the documentation you need to have a chance of receiving fair compensation.

ENSURE LAWS ARE APPLIED FAIRLY

One New Jersey law that could have an effect on the amount of compensation you receive in an insurance claim is the state’s modified comparative fault law.

Under this law, if you are found to be more than 50 percent responsible for the accident, you will be barred from recovering any compensation. If you are less than 50 percent at fault, your compensation award will be reduced based on your percentage of fault. This means an award of $50,000 would be reduced to $40,000 if you were 10 percent at fault.

This law is often applied to car insurance claims because insurance companies will do whatever they can to reduce the compensation they award.

A New Jersey insurance attorney will present a strong case to the insurance company and work to ensure you are not assigned more fault than you deserve.

NEGOTIATE FOR FAIR COMPENSATION

When we near the end of the claims process, we can handle settlement negotiations with your insurance company. By this point, we will have a very good idea about the full value of your claim, including damages like medical expenses, property damage and lost wages. We will not accept any lowball offers and are prepared to go back and forth until we receive a fair offer.

Insurance companies would rather deal with policyholders because they are much more likely to accept the first offer they receive. However, our insurance attorneys in New Jersey are not intimidated and will only do what is in your best interests.

If your claim is unfairly denied or you receive less than you deserve, our New Jersey insurance attorneys may be able to file a lawsuit to obtain the compensation you are entitled.

ENSURE YOUR LAWSUIT IS FILED ON TIME

There is a limited amount of time to file a lawsuit over your insurance claim. Your insurance policy may have its own deadline for filing bad faith lawsuits. That deadline can arrive much faster than you think because some of the time will be taken up by going through the insurance claims process.

Even if your insurance policy does not impose a deadline for filing a bad faith lawsuit, New Jersey has its own deadline for these kinds of lawsuits, called a statute of limitations. This deadline is six years from when bad faith occurred. Once this deadline passes, you lose the right to file a lawsuit.

This is why you should contact a New Jersey insurance lawyer as soon as possible. We can help you throughout the process,