All too often, an insurance company’s first response to its policyholder, when a claim arises, is a reflexive denial of coverage or a so-called “reservation of rights” that may just prelude a coverage dispute.

The insurer may deny that it has any duty to defend its policyholder, it may deny that it has any duty to indemnify the policyholder against the underlying claim, or it may deny both. Sometimes such a denial or a reservation of rights is justified, but frequently the insurer is taking an aggressive position in favor its own policyholder, in order to keep the insurance company’s own losses to a minimum, while leaving you in what may amount to a “company killer” scenario.

When this happens, you may perceive that the insurance company probably understands its own policies better than you ever will. You may even accept the insurance company’s denial or severe limitation of coverage when – under a fair reading of the entire policy – coverage actually exists. In short, unless somebody stands up to an insurer when it wrongfully denies coverage, the insurance company may get away with it.

As a skilled Baltimore Insurance Attorney, I stand up to these insurance companies to fight for your rights and get you the compensation you deserve in disputes involving a wide range of insurance law matters, including:

• Automobile Insurance
• Homeowners Insurance
• Renters Insurance
• Disability Insurance
• Health Insurance
• Life Insurance
• Long-Term Insurance
• Workers Compensation Claims

Bad faith claims are basically a breach of the insurance contract, when insurers use non-legitimate reasons to deny claims. Insurers have a duty to the insured to examine claims in good faith and use fair dealing when evaluating claims. To act in bad faith requires the insurer to engage in unfair dealing, not just a mistake.

Disability Insurance:
Disability insurance companies have historically refused benefits to many of their policy holders. Or, the insurance company may allege that the pain is not severe enough to prevent the employee from working. Recent studies prove them wrong, yet benefits are still often initially denied and require an attorney’s assistance to recover them.

Professional disability insurers have been found liable for denying coverage on claims brought by disabled professionals. In the 1970s and 1980s some of these insurers grossly oversold disability policies to younger professionals, anticipating that few claims would mount from this low-risk population. However as the policyholders aged and professionals became disabled, the claims mounted steadily. Some of the companies decided to cope by unfairly denying claims to cut their losses.

If you have been treated unfairly by an insurance company for any type of policy, including having an insurance policy wrongfully canceled, rescinded or terminated, call my office immediately.

As an experienced Baltimore Insurance Attorney, I have helped hundreds of individuals and businesses throughout Maryland in disputes with their insurance companies. No matter what type of insurance is involved, whether life, health, homeowners, automobile, disability, long-term care, business, commercial or errors and omissions, I will help you receive the full value of your claim.

My Firm offers highly personalized service. I personally meet with each client and evaluate all cases. I am committed to taking cases with clear merit and maximizing the recovery for the claim. My record of success includes multiple lead paint settlements totaling millions of dollars in the last few years. Every year we force insurance companies to pay out on hundreds of claims which they initially deny. I will handle your case with a high standard of quality.

If you or someone you know in Maryland needs the assistance of an experienced Baltimore Insurance Attorney, call Attorney David E. Fink today at 866-685-9482, or complete the contact form provided on this site to schedule your free consultation.