Lafayette Insurance Claims Lawyer

Trusted Insurance Claims Attorney in Lafayette

Filing an insurance claim to recover damages or get benefits your policy covers should be straightforward. Unfortunately, it is anything but simple. These companies do what they can to undermine claims, underpay them, and deny them. This can lead to severe financial hardship and frustration for you and your family. A Lafayette insurance claims lawyer can help you navigate these claims and take steps to file a claim against the insurer if it is acting in bad faith.

Work With an Attorney Who Supports Your Rights

At Cox Law Firm, we have many years of experience handling insurance claims, with 135 years of combined legal experience and over 55 years supporting our community. When insurance companies prioritize their financial interests over the well-being of those covered by their policies, they should be held accountable.

We have secured several successful outcomes settlements. Our most notable ones include a $262 million class judgment for healthcare providers based on violations of the Louisiana Preferred Provider Organization (PPO) Act and a $17.5 million class settlement for unpaid cancer policyholders. * These past cases do not guarantee a future successful outcome, but show our experience and work when supporting those wronged by insurance companies.

Bad Faith Tactics by Insurers

Our firm helps with bad faith tactics used by insurance companies in many different types of insurance claims. When you purchase insurance coverage, you expect the insurance company to uphold its end of the agreement. Unfortunately, this doesn’t always happen.

Bad faith tactics cover many ways that insurance companies undermine claims, including:

• Creating vague policy language that leads to misinterpretation and unclear guidelines
• Misinterpreting the policy documents in order to deny a claim
• Making unreasonable or repeated demands for documentation
• Denying a claim that should be covered
• Delaying responses, investigation, or resolution of a claim
• Not investigating the claim or incident related to the claim, but denying it anyway
• Failing to provide a reason for denying a claim
• Offering insufficient damages

These actions, when done purposefully, negligently, or deceptively, may constitute bad faith.

We can help with insurance claims through car insurance, homeowners’ insurance, health insurance, premises liability insurance, life insurance, and more. In 2023, car accident injuries that required hospitalization cost an average of $266,728 per person, while accidental falls led to $268,211 costs per person. When you have a valid claim for an injury or other loss, you can recover the damages you need to move forward financially.

Insurance Claim Cases We Handle

At Cox Law Firm, we manage many different forms of insurance claim cases, including:

• Insurance underpayment to medical providers. Insurance companies throughout Louisiana, as well as PPOs, frequently underpay medical providers in numerous ways. This includes reducing payments through downcoding, underpaying workers’ compensation claims, improper discounts on bills, and other violations that cause professionals to be underpaid.
• Social Security Disability Benefits claims. In Lafayette, approximately 14% of the population is disabled. Social Security Disability Benefits are essential for those who cannot work and need to provide for their financial needs. Unfortunately, these claims are often denied, even when the claim is valid.
• Workplace harassment claims. These are often processed through the Equal Employment Opportunity Commission (EEOC). Harassment can involve discrimination and hostile workplace environments or sexual harassment. You can file a claim with the EEOC to protect your rights as an employee. Our firm can help you assess your ability to file a claim and what steps you can take.

Working with an attorney to file these types of claims can make it easier to recover. If the claim is denied, there are options to appeal that decision, such as applying for reconsideration or appealing the case to an Administrative Law Judge. Your attorney can help with that.

FAQs

Is It Worth Filing a Claim Against an Insurance Company?

It may be worth filing a claim against your insurance company, depending on your situation. If your insurer is engaging with you in bad faith, then you could file a civil claim against them for that. This may include if your insurer refuses to pay out a valid claim, intentionally misinterpreting the language of the policy, or refusing to tell you why a claim was denied. An attorney can assess if it is worth filing a claim.

How Much Does an Insurance Claims Attorney Charge?

The cost of an insurance claims attorney depends on many factors, including the attorney’s experience and unique policies, the type of insurance claim you are filing, and the complexity of your case. An insurance claims case may be charged under a contingency fee, such as a personal injury claim or benefits denial case. A contingency fee means the attorney receives a percentage of the final settlement or verdict in a successful claim, and you don’t owe upfront attorney’s fees.

Is It Worth It to Hire an Insurance Claims Lawyer for Small Claims?

It can be worth it to hire an insurance claims lawyer for small claims, as you are still more likely to recover fair compensation with less stress. Your attorney handles many aspects of the case for you, enabling you to rest and potentially recover rather than deal with the unfair actions of insurance companies.

An attorney negotiates your case or takes it to court. They protect your rights and keep you informed throughout the process.

Why Do Insurance Companies Deny Most Claims?

Insurance companies deny claims for numerous reasons, such as failing to provide sufficient documentation, a lapse in your insurance coverage, missing the deadline to file a claim, or a lack of coverage for the specific issue. An insurance company should give you a reason when they deny a claim. If you think their reason was unfair or inaccurate, an attorney can help you review your options for appealing the denial or even filing a claim for bad faith insurance tactics.

Lafayette Insurance Claims Attorney at Cox Law Firm

When insurance companies owe you compensation through a policy you carry or a policy carried by a party at fault for your damages, you have the right to recover those losses. At Cox Law Firm, we believe in working for the rights of individuals and families who are taken advantage of by these companies. Reach out to us today and learn how we can help with an insurance claim.

*Past results do not guarantee a similar outcome. Every case is different and must be evaluated on its own merits.