NJ Insurance Claims Lawyer & NJ Car Insurance Dispute Lawyer Near You
When injured in an accident, such as a car accident, slip and fall, or a truck accident, and both you and the negligent party have insurance, you naturally put your faith in the insurance company to compensate you for any injuries and property damages sustained. However, sometimes insurance companies take advantage of this faith. The reality is that insurance companies often play the long game, attempting to lowball or even deny compensation claims. This is mainly because their goal is to maximize profits, and that does not involve paying out money to victims. This can leave you feeling frustrated and undervalued, especially when you’re already dealing with the aftermath of an accident that has caused injuries.
In these situations, contacting a New Jersey insurance claims lawyer (like us) can give you the upper hand you need to hold the insurance company accountable and make sure they pay you the compensation you deserve. Whether you need a car insurance claim lawyer or assistance with another type of insurance claim, New Jersey insurance claims lawyers with experience working on both sides of insurance claims, like those at The Pearce Law Firm, know all too well the tactics insurance companies use and are skilled in countering them effectively. Edith Pearce, the founder of The Pearce Law Firm, spent over a decade working as an attorney for insurance companies and defense firms before dedicating her legal knowledge and practice to helping injured victims. She has the inside scoop on insurance companies and the experience to make her and her team formidable advocates when it comes to vying for the compensation you deserve.
If you are searching for the best New Jersey insurance dispute lawyer near you, contact The Pearce Law Firm at 856-354-5688 for a Free Consultation with our insurance claims lawyers.
Our New Jersey Insurance Claims Lawyers Can Help
Our well-versed New Jersey insurance claims lawyers at The Pearce Law Firm are diligent and strategic when it comes to representing our clients in a variety of insurance claims cases. This includes claims arising from:
- Motorcycle accidents
- Drunk driving accidents
- Construction accidents
- Slip and Fall accidents
- Property Liability accidents
- Auto accidents
- Much more
We are here to support you throughout the entire insurance claims process, from helping you file your claim and dealing with the insurance provider on your behalf to negotiating a fair settlement for your injuries and property damage if applicable. Contact our New Jersey personal injury lawyers near you for a free consultation.
Common Issues Faced When Filing An Insurance Claim After Being In An Accident
While the insurance process can seem straightforward, there may be some obstacles that you hit along the way. Insurance companies often create hurdles for those seeking compensation to minimize their payouts. This can be exhausting, especially when you’re trying to recover from a severe accident, on top of managing piling medical bills, as well as dealing with the disruption the accident caused to your daily life. Some common challenges that victims of accidents may face when filing an insurance claim include:
- Insurance adjusters trying to gather evidence to partially or fully blame you for the accident
- Disputing the amount of compensation you request in your claim
- Approving only partial amounts of compensation
- Offering low settlements early in the process, in an effort to get you to accept due to mounting bills
- Denying a claim outright
Each of these obstacles the insurance company throws in your way is designed to get you to accept less compensation than you deserve. However, many people don’t realize they have the right to dispute the insurance company’s decisions. Seeking assistance from lawyers who sue insurance companies near you, like our team at The Pearce Law Firm, can be beneficial as we are familiar with these tactics and can provide auto insurance legal advice to help you overcome these obstacles to move forward with your case in an effort to help you receive the compensation you are entitled to. We can also help if you need a Pennsylvania insurance dispute lawyer.
What Does Bad Faith Mean In Insurance?
Bad faith insurance claims mean that the insurance company is being dishonest or unfair with their practices when dealing with policyholders. This can occur with any type of insurance policy, including:
- Homeowners’ insurance
- Health insurance
- Auto insurance
- Life insurance
An insurance company legally acts in bad faith when it misrepresents or blatantly ignores the language of an insurance contract to avoid paying a claim. Other ways an insurance company can act in bad faith include:
- Failing to disclose policy limitations and exclusions before the policy is purchased.
- Making unreasonable demands on the policyholder to prove a covered loss.
- Searching for evidence that supports the insurance company’s basis for denying a claim while blatantly ignoring evidence that clearly supports the policyholder’s basis for making a claim.
- Neglecting to promptly reply to a policyholder’s claim, whether willfully or not.
- They do not state why they refuse to cover the claim or why they are only partially providing compensation
If an insurance company fails to meet these obligations, they are acting in bad faith. If a policyholder suspects that their insurance company is acting in bad faith, especially in regard to an auto accident, it is important to have a New Jersey bad faith auto insurance claim attorney confront the insurance company on your behalf. There are numerous ways an insurer might act in bad faith. Having legal support and guidance from the bad faith insurance lawyers at The Pearce Law Firm can help individuals fighting with insurance companies navigate these complex situations and hold the insurance company accountable.
Insurance Demand Letter
An insurance demand letter is a formal-written communication sent to the insurance company or the responsible party by an accident victim or their New Jersey insurance claims attorney. Its purpose is to demand compensation for injuries and damages resulting from an accident and to initiate the negotiation process. The demand letter is a crucial part of pre-litigation negotiations for insurance claims that are being drawn out, and serves several beneficial purposes. It clearly outlines the plaintiff’s grievances and demands for compensation, substantiating the expenses they have incurred as a result of the accident. It also establishes a record of the plaintiff’s good faith effort to resolve the matter amicably, which can be advantageous in court later.
To be effective, a demand letter must include several key elements:
- Evidence – Providing substantiating evidence is crucial to support your claim. This includes:
- Copies of medical receipts and bills
- Medical records
- Photos of the accident site
- Statements from witnesses
- Photos of injuries with statements from treating doctors
- Photos of property damage
- Police reports
- Statements from your employer about lost wages and missed work
- Severity of Injuries and Property Damage – This letter will also clearly describe the extent of your injuries and property damage. This helps establish the seriousness of your claim and the impact of the accident on your life.
- Offer for Full and Final Settlement: Specify that acceptance of the demand letter requesting a settlement payment will result in a comprehensive release of all personal injury insurance claims. This provides a record of clarity and prevents future disputes once the settlement is accepted by the insurance provider.
- Reasonable Settlement Demand – A demand letter sent to an insurance company will also present a settlement demand that is reasonable and justifiable. This ensures that your settlement demand is fair-minded and more likely to be considered seriously by the insurance provider.
- Deadline to Accept Policy Limits Demand – Set a well-defined deadline for the insurance company to respond to your demand. This creates a sense of urgency and ensures that the negotiation process moves forward in a timely manner, while also highlighting that if they do not respond in a timely manner, they could be acting in bad faith.
Including these elements in your demand letter can strengthen your case and increase the likelihood of a fair and timely settlement.
Contact A New Jersey Insurance Claims Attorney Near You
If you are searching for the best New Jersey insurance dispute lawyer near you, contact The Pearce Law Firm at 856-354-5688 for a Free Consultation with our insurance claims lawyers.
Hiring a New Jersey insurance claims lawyer from The Pearce Law Firm Personal Injury & Accident Lawyers, P.C. offers significant benefits for individuals who are injured due to negligence or wrongdoing. Our lawyers, including Edith Pearce, bring a vast amount of legal knowledge and experience in navigating the complex legal system, gathering evidence, and negotiating with insurance companies to maximize your compensation. Seeking our legal representation ensures your rights are protected, which will leveling the playing field against the insurance company’s legal teams. Having a lawyer from our team on your side also increases the chances of a favorable settlement or judgment and can result in higher compensation. This support offers peace of mind, allowing you to focus on recovery while your lawyer manages the legal process efficiently, saving you time and reducing stress. Don’t hesitate to contact us today for a free case consultation and to learn more about how we can help you!
