Insurance Claims
In most sitiations, when a person in North Carolina is injured in an accident, at the workplace, or because of a dangerous product, the claim will be resisted by an insurance company. The insurance company will have claims examiners, adjusters and attorneys all doing their best to make you go away, and pay you nothing or as little as possible.
If you feel that an insurance company is not treating you fair for your North Carolina claim, please contact the lawyers at Hendren & Malone for a free consultation. Our lawyers have successfully handled a variety of insurance matters including:
- In 2006, our client was riding a motorcycle on a two-lane country road near Hickory, North Carolina. A car driven by an inlicensed driver crossed the center line and struck our client head-on causing serious injuries and a long hospitalization. In order to help our client, we needed to find every source of insurance coverage. Fortunately, our client had puchased uninsured/underinsured motorists coverage with his own insurance policy. By law, this coverage, also called UI/UIM, steps in and provides coverage where the other driver does not have enough insurance or no insurance at all. The insurance company, citing an obscure provision in the insurance laws, denied our client’s claim to UI/UIM benefits. In short, the insurance company said that because the UI/UIM benefits were purchased on a commercial policy, they could not be used where our client was injured on his motorcycle. The lawyers at Hendren & Malone successfully challenged the insurance company’s interpretation and our client ultimately recovered against that policy for his injuries.
- In 2007, our client was seriously injured when a truck went through a stop-light and t-boned her car. Tragically, the truck had no insurance while our client had significant medical bills and life-altering injuries. Our client reported the wreck to her insurance company who denied the claim. The insurance company claimed that they had terminated our client’s policy less than 3 weeks prior to the wreck because our client missed a premium payment. The lawyers at Hendren & Malone successfully challenged the insurance company and recovered an amount for our client that was greater than the insurance coverage.
According to a report by Anderson Cooper of CNN, many insurance companies practice the “Three Ds” of insurance tactics to deny policyholders due compensation. Basically, insurance companies will delay, deny, and defend claims in an attempt to not pay legitimate claims to those who are rightfully entitled to compensation.
If you are in a situation where an insurance company is delaying or denying a legitimate claim, you may be the victim of a North Carolina insurance dispute. When you are due benefits from your own insurance company, such as claims for no-fault medical payments benefits, uninsured or underinsured motorist benefits, your insurer is prohibited from denying your claim without a reasonable basis. Most insurance companies, however, are in business to make profits—not to pay out claims.
At Hendren & Malone, we have experience forcing insurance companies to pay legitimate claims. We can help you sort through the rules and regulations that govern the insurance industry in North Carolina. Call us immediately at 1-866-573-8832 to discuss your insurance dispute.
Click here for information regarding North Carolina assigned risk insurance policies.
