What types of insurance disputes do truck drivers commonly face?
Truck drivers often face challenges with their insurance providers, including denied claims for accidents, injuries, or property damage. Many also struggle with delayed payments, leaving them with mounting medical bills or repair costs. Some insurance companies offer significantly less than what is owed, leading to underpaid claims. Other common disputes involve unexpected policy cancellations or disagreements over coverage after an accident. In some cases, truckers experience bad faith insurance practices, where companies unfairly deny claims, mislead policyholders, or create unnecessary obstacles. At Long Haul Law, we help truckers navigate these disputes and fight for the coverage they deserve.
Why did my insurance company deny my claim?
Insurance companies deny claims for various reasons, some of which may be valid while others are questionable. They may allege that a policy violation occurred, such as driving outside the coverage terms. Some insurers claim that the damage was pre-existing or dispute who was at fault for the accident. Other common reasons include missing claim deadlines or failing to disclose certain information when purchasing the policy. If your claim was denied, you don’t have to accept their decision without question. Our legal team can review your case, challenge unfair denials, and fight to secure the compensation you deserve.
What should I do if my insurance company is denying my claim?
If your insurance company is denying your claim, the first step is to document everything, including all communications, claim forms, and policy details. Following up frequently via phone or email can help push the insurer for an update. It’s also important to request a written explanation for the delay, as insurance companies are required to provide reasons for prolonged processing. If the delay continues to be unreasonable, consulting an attorney may be necessary. Many insurance providers drag out claims in hopes that policyholders will give up, but we won’t let that happen.
What are “bad faith” insurance practices, and how do I know if my insurer is acting unfairly?
Insurance companies are legally required to handle claims fairly and in good faith. However, some engage in bad faith practices, such as denying valid claims without a reasonable explanation, failing to properly investigate a claim, or offering a payout far lower than what is owed. Some insurers also use misleading language to avoid paying claims, ignore policyholders’ inquiries, or create unnecessary delays. If you suspect that your insurance company is acting in bad faith, Long Haul Law can step in to hold them accountable and fight for the full compensation you are entitled to.
Can I sue my insurance company for denying or underpaying my claim?
Yes, if your insurance company wrongfully denies, delays, or underpays your clam, you may have grounds for a bad faith insurance lawsuit. In such cases, you may be able to recover not only the full amount of your claim but also additional damages for financial hardship caused by the insurer’s actions. In some instances, if the insurance company acted particularly egregiously, punitive damages may also be awarded. If your insurer is refusing to honor your policy or treating you unfairly, we are here to take legal action and make things right.