Insurance Litigation Lawyer Hayes Valley, CA

Taking legal action against an insurer is a big endeavor. Many policyholders are intimidated and choose not to file despite having a powerful case for an appeal. Whether you think your claim denial was a result of bad faith practices, misinformation, or lack of evidence, it is worth scheduling a consultation with our Hayes Valley, CA insurance litigation lawyer. Our team at The Law Office of Bennett M. Cohen has a track record of getting disability and insurance benefits reinstated for clients. Let us review your case and help you get the financial support you need and deserve.

When To Hire Our Insurance Litigation Attorney

No one wants to use their insurance policy, but when a situation arises, you expect your insurer to provide the coverage you pay for. Too often, policyholders are blindsided by bad-faith insurance tactics or unexpected denials. Whether you are fighting a denied health insurance, disability, or property claim, our litigation attorney has the experience to get justice on your behalf.

It is time to seek legal guidance when your insurance claim is denied without due cause. If you believe that you should be reimbursed under your policy, despite the insurance adjuster’s objections, you need to call attorney Bennett M. Cohen.

Our lawyer will conduct an in-depth review of your insurance policy, the circumstances of your claim, and all communication you have had with the insurance company. Then, we will gather evidence to strengthen your case and present a proposal to your insurer. Ideally, your claim is resolved in negotiations, but sometimes it is necessary to go to trial. Our attorney is always open and honest during communications, and if we believe it is in your best interest to take your case to court, we will stand by you every step of the way.

Next Steps After An Insurance Denial

Our attorney’s first step is to discover the reason for your insurance claim denial. In situations of bad faith, we enact California law to reinstate the benefits you are owed. Our lawyer will file an appeals letter and begin the process of building your case. Our team is well-connected and has a network of medical experts whom we may refer you to get additional opinions and bolster your medical records. Successful claims are won on evidence, and our insurance attorney takes the time to collect as much information as possible so that your insurer has no choice but to overturn their decision.

For example, our firm has recently gotten a disability claim denial overturned for a client who was struggling with visual impairment. Not only did our insurance litigation attorney secure active disability benefits for our client, but we also recovered back pay for their missed benefits.

The insurance system is not an easy process to deal with. We have years of experience managing claim denials and bad faith practices and will leverage that knowledge to get the best possible outcome for your case.

Say No To Claim Denials

It is your right to appeal an insurance denial letter. Let our Hayes Valley insurance litigation lawyer take action today. Call The Law Office of Bennett M. Cohen to schedule your consultation and case review. Our team will outline the best course of action and explain your options. We don’t give up, and neither should you. Lean on our strength, knowledge, and integrity during your fight for justice.

Types Of Bad Faith Cases We Handle

When an insurance company fails to treat its policyholders fairly, it’s time to contact a Hayes Valley, CA insurance litigation lawyer you can trust. At The Law Office of Bennett M. Cohen, we’ve represented plaintiffs against some of the most powerful corporate defendants in the country, including Shell Oil, and Metropolitan Life Insurance Company. Now, we’re ready to help you.

People purchase insurance to protect themselves from financial loss, not to be left stranded when they need help most. Whether it’s an unreasonable delay, a denied claim without a good reason, or failure to investigate, we help hold insurers accountable for what they’ve promised. Read on to learn more about bad faith cases, and contact us today.

Unreasonable Claim Denials

We work with clients whose valid insurance claims were denied without proper explanation or review. A flat-out denial without a thorough investigation or one based on weak or unclear reasons may be a sign of bad faith.

Delayed Payments

Sometimes, an insurer agrees to pay but drags the process out for months or even longer. We handle cases where companies delay payment without justification, causing financial harm to the policyholder in the meantime.

Failure To Investigate

Insurance companies have a duty to review claims thoroughly and in a timely way. We take on cases where the insurer failed to investigate or did so in a way that was clearly one-sided or incomplete.

Lowball Settlement Offers

Offering far less than what a claim is worth, especially without explanation, is another way insurance companies try to avoid paying fair value. As your Hayes Valley insurance litigation lawyer, we’ll help you push back against these unfair settlement practices.

Misrepresentation Of Policy Terms

Some insurers will try to twist or misrepresent what’s actually covered under a policy. We review the actual language of the policy and compare it with how the company has handled the claim, especially when they’ve given misleading information.

Cancellation Without Cause

We represent policyholders who have had their coverage dropped or canceled after filing a claim, especially if there’s no solid reason given. Cutting off coverage to avoid paying out a valid claim may be a form of retaliation.

Refusal To Defend

For clients with liability coverage, an insurer may have a duty to defend them in court if they are sued. If a company refuses to provide that defense, we step in to hold them accountable.

Medical Necessity Disputes

In health insurance cases, some companies refuse to cover treatments by claiming they aren’t “medically necessary.” We challenge these decisions when doctors and documentation clearly support the need for care.

Denials Based On Technicalities

We’ve seen insurance companies deny claims based on small errors or missed steps, even when the rest of the claim is clearly valid. These tactics often signal bad faith, and we work to correct them.

At The Law Office of Bennett M. Cohen, we know what fair treatment looks like—and what it doesn’t. We work hard for policyholders who paid their premiums in good faith and expected the same in return. If your insurance company has given you the runaround, denied your claim without a fair reason, or delayed payment, we’re here to help you take the next step. Reach out today, and start working with a Hayes Valley insurance litigation lawyer you can trust.

Common Reasons Insurance Claims Get Rejected

Your Hayes Valley, California insurance litigation lawyer can help you get the payout you deserve. At The Law Office of Bennett M. Cohen, we’ve been helping our clients since 1981. Now, we’re ready to use our legal experience to get you up to speed. Read on to learn more about rejected insurance claims, and contact us today to get started.

1. Missed Deadlines

Almost every policy has a time frame for reporting a loss. If you wait too long, the insurance company may say you failed to report in time. Even if you were dealing with the aftermath of an accident or damage, missing a filing deadline can be used as a reason to avoid payment.

2. Not Enough Documentation

Without proof, insurance companies will often delay or reject claims. That includes things like photos, repair estimates, police reports, and medical records. If there’s missing or inconsistent information, they may claim the loss can’t be verified.

3. Policy Doesn’t Cover The Loss

Some policies come with specific exclusions. That could mean flood damage isn’t covered, or a car break-in might not count if it happened off the property. These fine-print details are often buried in the policy, but your Hayes Valley, CA insurance litigation lawyer can help you plan your next steps.

4. Late Premium Payments

If your payments weren’t up to date when something happened, the insurance company might deny your claim. Even one missed payment can lead to a lapse in coverage that gives them a reason to say the policy wasn’t active.

5. Pre-Existing Damage

Sometimes insurers will argue the damage already existed before the incident occurred. If there’s no clear timeline or if previous issues weren’t repaired, they may say the new claim is just an extension of an older problem.

6. Claim Seems Exaggerated

If the insurance company believes your reported loss is too high or doesn’t match what’s typical, they may reject it or reduce the payout. That could happen if you claim a total loss when the damage looks repairable or if your itemized list appears inflated.

7. Gaps In The Story

Inconsistencies between what you said and what’s documented can raise red flags. If your version of events changes between your report, your police statement, and any witness accounts, the insurer may point to that as a reason not to pay.

8. No Police Report Or Third-Party Confirmation

In many types of claims—especially auto, theft, or assault—you’re expected to involve law enforcement or provide third-party confirmation. If you didn’t call the police or can’t show independent evidence of what happened, the insurance company might use that to deny the claim.

9. You Didn’t Follow Their Process

Insurers usually require very specific steps, such as getting approval before hiring a contractor or using only approved providers. If you didn’t follow their procedures, they may treat the claim as invalid.

Contact Us Today

Dealing with denied claims can be frustrating, especially when you thought you did everything right. At The Law Office of Bennett M. Cohen, our team has helped clients with personal injuries, disability disputes, insurance litigation, and more. Contact us today, and see what a Hayes Valley insurance litigation lawyer from our office can do for you.