At Matulis Law Firm, we understand how difficult it can be to face an insurance company that refuses to honor its commitments. When you’ve filed a claim in good faith, it’s not just frustrating when you’re met with delays, denials, or outright resistance, it’s financially and emotionally exhausting. That’s where we come in. Your case matters to us, and we are here to fight for the compensation and justice you deserve.
What Is a First Party Insurance Claim?
A first-party insurance claim is filed directly with your own insurance company, asking them to cover a loss or damage under the terms of your policy. Unfortunately, there are times when insurers don’t fulfill their obligations. When this happens, it’s referred to as the insurer acting in “bad faith.”
Bad faith occurs when your insurance provider fails to settle your valid claim even though they are liable under the terms of your policy. This leaves policyholders frustrated, overwhelmed, and unsure of their next steps. An experienced insurance lawyer can help you hold your insurance company accountable while protecting your rights.
Common Types of First Party Insurance Claims
First-party insurance claims can arise in a variety of situations. Some of the most common types we help clients with include claims for:
- Storm Damage: For damages caused by hurricanes, tornadoes, or other severe weather events.
- Life Insurance Proceeds: When beneficiaries are denied access to life insurance payouts.
- Underinsured/Uninsured Motorist Claims: For coverage when another driver lacks sufficient insurance.
- Property Damage: Including damage to homes, vehicles, or other personal property.
- Medical Payments under MedPay Policies: Claims for medical expenses covered by auto insurance policies.
- Disability Benefits After a Workplace Accident: When your insurer denies or delays paying out under your disability policy.
If you’re facing difficulties with any of these claims, our team at Matulis Law Firm is here to help.
Denied or Delayed Claims – Understanding Your Rights
You have the right to fair treatment and a timely claims process. When your insurance company denies your claim or fails to move forward in a reasonable amount of time, it’s not just inconvenient, it’s a violation of your rights as a policyholder. Such situations often stem from a misinterpretation of your policy or bad faith actions.
If your claim has been denied, your insurer is required to provide a clear explanation as to why. But remember, just because they denied your claim doesn’t mean the process is over. Many denials can be challenged, particularly when the insurer is acting in bad faith.
You have several options to dispute a denied or delayed claim, including mediation, arbitration, and litigation. While mediation and arbitration occur outside of court, litigation may be necessary if negotiations fail. Regardless of the path forward, we’ll stand by your side and advocate for your rights.
The Role of Bad Faith in First Party Insurance Disputes
Bad faith practices can take many forms, and they’re sadly more common than you might think. Recognizing these practices is a vital first step to taking action. Common examples of bad faith practices include:
- Offering to settle your claim for considerably less than the damage is worth.
- Failing to acknowledge or process your claim in a timely manner.
- Denying or delaying your claim without a valid reason.
- Requiring excessive or unnecessary documentation to process your claim.
- Failing to properly investigate your claim.
- Misrepresenting policy terms to avoid payment.
- Refusing to defend you as a policyholder in third-party lawsuits.
- Rescinding or canceling your policy after you file a claim.
Bad faith insurance practices are unfair, unethical, and often illegal. At Matulis Law Firm, we know how to hold insurance companies accountable when they breach the trust of their policyholders.
Steps to Take If Your Insurance Claim Is Denied
Dealing with a denied claim is never easy, but your next steps can make all the difference. Here’s what we recommend you do if your claim is denied or delayed:
- Review the Denial: Carefully read the explanation provided by your insurer, paying close attention to the reasons they gave.
- Gather Documentation: Collect all relevant documents, including your insurance policy, claim forms, and correspondence with the insurer.
- Contact Matulis Law Firm: Consulting with an experienced insurance lawyer can help you determine whether your insurer is acting in bad faith and what your legal options are.
- Consider All Resolution Options: You may be able to resolve the issue through mediation or arbitration, or you may need to file a lawsuit to seek the compensation you're entitled to.
The process can feel daunting, but you don’t have to face it alone. We’ll help you every step of the way.
How Our Galveston County Insurance Claim Attorneys Can Help
When you choose Matulis Law Firm, you gain a team of dedicated professionals who care deeply about your situation. We’ll start by listening to your story and understanding your unique circumstances. Then, we’ll build a strategy tailored to securing the best possible outcome for you.
From investigating bad faith practices to negotiating with your insurer and representing you in court, we’re here to fight for your rights at every stage of the process. With years of experience handling first-party insurance claims, we understand the tactics insurance companies use to avoid payouts and we aren’t afraid to push back.
Why Choose Matulis Law Firm for Your Insurance Dispute?
At Matulis Law Firm, we believe that every case matters, because behind every claim is a person or family fighting to get what they deserve. When insurance companies fail to hold up their end of the bargain, we step in to make things right. Our compassionate representation, personalized services, and understanding of local laws sets us apart from other law firms. We take the time to truly understand your needs and will work to determine the best course of action. When you work with Matulis Law Firm, you’re more than just a case number. You’re a valued client, and we’ll fight tirelessly to secure the resolution you deserve.
If you’re struggling with a denied, delayed, or underpaid insurance claim, don’t wait. Contact Matulis Law Firm today to schedule a consultation. Your case matters to us, and we’re ready to stand in your corner.
