Insurance Coverage Disputes
Insurance coverage is a critical area of law that can significantly impact a company’s bottom line. At Mitby Pacholder Johnson PLLC, we are known for developing creative, effective strategies that secure coverage for legal fees where others have failed. We’ve successfully represented energy companies and medical practices in disputes with major insurers, recovering millions in unpaid claims. Using advanced tools like AI to detect underpayments, we know how to counter insurance tactics and ensure financial protection for our clients. In select cases, we also offer contingency fee arrangements.
Comprehensive Insurance Claim Litigation
Our team has extensive experience litigating against the largest U.S. insurers, as well as major international insurers, including those in the Lloyd’s Market and other surplus lines or specialty insurers. We have successfully secured compensation for a wide range of policy benefits, including:
- Property Damage: Costs to repair or replace damaged property.
- Business Income/Interruption: Compensation for lost business income and additional expenses incurred during the interruption.
- Loss Adjustment Expenses: Payment for costs associated with hiring professionals such as engineers and accountants to assess and manage the loss.
- Extra-Expense, Mitigation, and Emergency Repairs: Coverage for additional expenses incurred to mitigate losses and perform emergency repairs.
Complex Insurance Litigation
MPJ frequently advises clients on how to handle Reservation of Rights or Claim Determination Letters issued by insurance companies. These letters can be daunting, especially for those not well-versed in insurance matters. Our attorneys provide guidance, responding to insurers to protect our clients' rights and countering claims of exclusions or other reasons for claim denial.
Defense Against Liability Claims
If you have liability insurance and are facing a lawsuit or the threat of one, it is crucial to notify your liability insurer immediately. Our firm assists clients in ensuring their liability insurers pay for defending against lawsuits or other claims. Insurers often initially resist covering defense costs by claiming the allegations fall outside policy coverage. However, the duty to defend is broadly interpreted, and our team has a strong track record of securing paid defenses from liability insurers after initial refusals.
Success in Court and Early Resolutions
We have achieved numerous jury and bench trial verdicts for policyholders whose claims were initially denied. When we win at trial, we recover the full amount the insurer should have paid under the policy, plus attorneys' fees and statutory interest for late payment. This can result in recoveries that double or even exceed the original claim amount. Our success in court often prompts insurers to settle early, providing our clients with the funds they need promptly after a loss.
Early Resolution Strategy
While we are fully prepared to take cases to trial when necessary, our primary goal is to resolve disputes as early as possible. Early resolution provides clients with the financial resources they need without the stress and time associated with prolonged litigation. Our firm’s reputation for successful trial outcomes often motivates insurers to settle claims sooner, offering a quicker path to recovery for our clients.
Navigating Insurance Policy Exclusions
Insurance policies often contain numerous exclusions that insurers use to deny or limit claims. At MPJ, we thoroughly analyze these exclusions and challenge them where appropriate. Our deep understanding of insurance law and policy language allows us to effectively counter insurer arguments and secure the coverage our clients deserve.
Proven Track Record of Success
MPJ has built a reputation for excellence in insurance coverage litigation. Our attorneys are known for their tenacity, expertise, and commitment to achieving the best possible outcomes for our clients. Whether through litigation or negotiation, we work tirelessly to ensure our clients receive the compensation they are entitled to under their insurance policies. Choosing MPJ means partnering with a firm that has a proven history of success in insurance coverage disputes. Our team’s extensive experience, strategic approach, and dedication to client satisfaction make us the ideal choice for anyone facing an insurance claim denial or undervaluation. We fight vigorously to protect our clients’ rights and secure the benefits they deserve.
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MPJ focuses on resolving insurance coverage disputes, offering clients trusted guidance and representation to secure the coverage they deserve.
Contact our experienced attorneys today to protect your rights and achieve favorable outcomes in your insurance matters.
