Why Beneficiaries Involved in Claims Disputes Need an Experienced Insurance Lawyer

J.P. Gonzalez-Sirgo
Founder of J.P. Gonzalez-Sirgo, P.A.

Whether you are crafting a comprehensive estate plan or making arrangements to provide for the future financial security of your family, life insurance often provides a valuable tool if an unexpected tragic event befalls you.  While there are a range of different types of life insurance policies, the basic structure of life insurance entails you paying premiums, so the insurer will pay benefits to your designated beneficiary if you pass away.

If you have attempted to parse the language in a life insurance policy, you recognize that policies are filled with language and terms that are difficult to parse.  This difficult to understand language is often used by insurance companies to justify specious grounds for denying or delaying an insurance claim.  

Although some insurance disputes between beneficiaries and an insurer over benefits are legitimate disagreements over the interpretation of policy provisions, some disputes are the product of bad faith practices by an insurance company.

Insurance companies often do everything possible to avoid fulfilling their obligations under a life insurance policy, which includes but is not limited to the following:

  • Offering no basis in writing for denying a claim
  • Taking an unreasonable amount of time to respond to a claim, to induce claimants to abandon their claim
  • Asserting non-material or non-existent “material misrepresentations” in the policy application​

When a life insurance company fails to pay the benefits owed under a life insurance policy, you should never simply abandon your claim.  Insurers routinely deny claims even though they do not have a sufficient basis for the denial.  The insurance company, adjusters, and their lawyers are not on your side and not interested in protecting your interests.  An experienced life insurance claims lawyer can help you:

  • Get to the bottom of why the insurance company has not paid your claim
  • Provide the insurance company with a basis for paying your claim
  • File a lawsuit for breach of contract or insurance bad faith against the insurance company if they fail to pay your valid claim

If you take on an insurance company, you will be facing a corporation with extensive resources at its disposal that include investigators, insurance defense lawyers, and virtually unlimited litigation resources.  Insurance carriers know that they have the advantage if you do not have legal representation.  The decision to hire an insurance lawyer means that the insurer must now take your claim seriously.

Beneficiaries under life insurance policies who have been denied benefits can balance the power in an insurance dispute by retaining proper legal representation. You can reach Miami Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at[email protected].

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