Insurance Litigation
Unfortunately, insurance coverage isn’t free, and you pay premiums to insure your automobile, home, business and health.
If you didn’t know, insurance carriers make their profits by collecting premiums, not by paying claims. Your insurance carriers profit when they avoid paying claims, delay paying claims or when they settle a claim for less than its true value. The insurance industry is one of the largest industries in our country with a large and powerful lobby and thousands of lawyers representing their interests.
Insurance litigation and law claims in Georgia and South Carolina
It is not unusual for insurance companies to attempt to avoid paying claims by denying coverage. For the average layman, an insurance policy is extremely difficult to read, much less understand. Insurance policies are specialized contracts which require analysis, under standard contract law, rules, regulations, cases and statutes unique to insurance products.
In Georgia and South Carolina, your insurance carrier owes you a duty of good faith and fair dealing in processing and adjusting insurance claims made by you or made by others against you. If an insurance carrier fails or refuses to properly and timely evaluate, adjust or pay your claim or a claim made against you, you have legal recourse to recoup the damages you suffer as a result of the insurance carrier’s bad faith and breach of contract. George Bush Law Firm handles insurance litigation in the following areas:
Automobile liability— Insult is added to injury when a person is sued for causing an automobile accident and their auto insurance carrier denies coverage or puts the policyholder on notice that the claim may exceed the policy limits. On the other hand, if one is the victim in an auto accident, it is extremely important to find all the automobile liability insurance available to pay for damages.
Automobile Uninsured Motorist/Underinsured Motorist — Georgia has unique and complicated uninsured/underinsured motorist laws. Rarely if ever do insurance agents understand all the nuances in the statutes and cases. It is imperative to consult an attorney with knowledge of Georgia’s unique rules
Homeowners — For most people, a home is their largest investment. When it is damaged by fire, wind, hail, storms, flooding, falling trees or other causes, it is critical that the homeowner’s casualty policy pays to restore the home.
Commercial general liability (CGL)— Commercial general liability policies protect small businesses from claims and lawsuits. If coverage is denied or is inadequate, it is imperative for the policyholder to quickly assert his rights under the CGL and applicable riders.
Life — It is difficult on a family when the tragedy of death is compounded by denial or delay in paying a claim on a life insurance policy. Like most states, Georgia has several laws which protect life insurance policy beneficiaries.
George Bush Law Firm fights for you and your insurance law claim
At George Bush Law Firm we have successfully handled claims against insurance carriers for failure to provide insurance coverage, failure to protect insureds against claims made by others and the failure to pay health care benefits. We are also willing to investigate and handle the failure to timely adjust claims, failure to pay retirement and disability benefits and the failure to provide underinsured motorist coverage. If you believe you have been treated unfairly by an insurance company, contact Attorney George Bush and let us discuss your insurance litigation options.