Legal Representation For Insurance Coverage Disputes

Fighting Denied Claims, Unpaid Claims, Delayed Claims Or Any Bad Faith Issues

Insurance providers market themselves as concerned and ready to help policyholders whenever needed. The truth is, however, that insurance companies must make a profit by collecting more in premiums than they pay out in claims. Insurance providers are required to respond in a timely fashion and treat policyholders fairly. That doesn't preclude them from protecting their own bottom line by citing a technicality or finding a loophole to deny a valid claim.

At The Law Office of Ben W. Wright, LLC, attorney Ben Wright stands up to big insurance providers on behalf of policyholders. If you have a claim that you feel has been denied without good reason, if your insurance provider has denied coverage or issued a reservation of rights, or if your insurance provider has not reviewed a claim within a reasonable amount of time, Ben can help you take legal action to resolve the dispute.

Attorney Ben Wright represents clients in Greater Columbus and throughout central Ohio. He left his position at a highly regarded insurance defense law firm and launched his own firm in order to represent people like you who have held up their end of the bargain and expect their insurance company to do the same.

Sometimes signaling the insurance provider that you are prepared to fight for your rights is all it takes to resolve the matter. In other cases, Ben may need to take the insurance company to court.

Prepared To Advocate For You In All Types Of Insurance Litigation

Insurance policies are long, convoluted and complicated documents that are written by an army of lawyers. Often, when insurance disputes arise, the insurance company doesn't understand the language of the contract and must turn to its lawyers to help interpret what has been promised. Policyholders who have suffered a loss also need a lawyer who can help them understand the complex language of an insurance policy and maximize the amount they recover.

Before starting his own firm, Ben worked with a law firm that represented insurance companies. That experience arms him with an insider's perspective into the strategies insurance companies use to limit the amount they pay out or to deny valid claims altogether. Ben's ability to anticipate an insurance company's approach allows him to counter with a comprehensive report that includes everything necessary to receive full compensation for your losses. If the insurance provider still balks, Ben is prepared to protect your interests in court. He represents individuals and business owners in a broad range of insurance disputes, including:

  • Homeowners insurance disputes
  • Business and commercial general liability insurance disputes
  • Auto insurance (personal injury cases)
  • Life insurance disputes
  • Umbrella and excess liability insurance disputes
  • Protection against uninsured and underinsured motorists
  • Commercial general liability disputes

If you face an insurance coverage dispute, the most important step is to put an experienced, knowledgeable and assertive lawyer like Ben Wright in your corner. It is never too soon to consult an attorney about your insurance problem. If you do not timely assert your rights, the insurance company will argue that you have waived them. Ben invites you to schedule a free initial consultation in which he can review the facts of your case, offer a frank assessment and recommend the best course of action.

"Ben understands the nature of insurance litigation and is a great resource for anyone facing an issue with denial of coverage. We enjoyed working with Ben on several matters and would happily endorse him!" -Troy

FAQ

  1. Q: What is the insurance company’s goal?
  2. Q: What is an insurance adjuster’s job?
  3. Q: What does my insurance cover?

Q: What is the insurance company’s goal?

A: The insurance Company’s role with your claim is to pay you the least amount possible so they make the most profit. An insurance company is a business. Like any business, insurance companies want to make a profit. The insurance company makes profit by taking collecting more in premium payments than it pays out on claims. The insurance company can also make money by delaying paying your claim so it can collect interest on the money paid in premiums. The insurance company will not help you to protect and preserve your rights

Q: What is an insurance adjuster’s job?

A: In short, the insurance adjuster’s job is to save the insurance company money. Keep the following in mind when speaking with the adjuster.

  1. Insurance adjusters are not your friend.
  2. Insurance adjusters are not on your side.
  3. The adjuster has no legal obligation to you whatsoever.
  4. It is not the insurance adjuster’s job to help protect your rights.
  5. Insurance adjusters want to take what you say and use it against you.
  6. Insurance adjusters are trying to minimize and undermine your rights.
  7. The insurance adjuster has no interest in seeing that you are treated for your injuries.
  8. Insurance adjusters are well-trained professionals whose job is to minimize your claim.
  9. Insurance adjusters want to save their company money, so they can look good on their performance review.
  10. Insurance adjusters are trained to be nice to you so you will not hire a lawyer. Do not the friendly demeanor fool you.
  11. Insurance adjusters are not bad people – they are doing their job. Their job is to pay the least amount possible on your claim.
  12. Often times, the insurance company represents the person who hurt you. In other words, insurance adjusters are not trying to help you – they are trying to help the person who hurt you.
  13. Insurance adjusters may discourage you from getting a lawyer. Insurance companies do not want you to get a lawyer because people who get lawyers make the insurance company pay more money.
  14. The insurance adjusters want to keep you in the dark about your rights. The insurance adjuster will not help you find all the coverage you are entitled to under the insurance policy – like medical payments coverage and car rental coverage.
  15. An insurance adjuster may say "don’t get a lawyer, a lawyer will take your money." Setting aside the fact that the adjuster may be practicing law without a license, in most cases, the adjuster is wrong. A lawyer will typically get you more money.

Q: What does my insurance cover?

A: It depends on the language of the your insurance policy and the insurance policies of the people you live with. A good lawyer will request the insurance policies and find all the available insurance coverage.