Since 1929, Pellettieri Rabstein & Altman has represented individuals against insurance companies that wrongfully deny valid claims.
We all purchase insurance in case we incur property damage, are injured on our property or are sued for injury related to our primary residence, vacation home, business, car, boat and so on. We pay hefty premiums month after month and year after year to protect against risks that we hope and pray never occur. We take comfort, though, in the fact that God forbid something awful happens, we have insurance.
The majority of us, thankfully, will go a lifetime without ever having a property damage claim or ever having our own personal injury claim or that of another person injured on or in our property denied by our insurance company. For those of us who suffer the unfortunate fate of such damage or injury, we do NOT have a friend in our insurance company.
It is shocking but true that insurance companies regularly deny valid claims. So, we cannot expect the insurance carrier’s support and allegiance in our time of need –we must expect and prepare for the opposite!
In the event of a substantial claim, it is essential to engage one of PR&A’s experienced insurance coverage attorneys from the very start.
You must immediately notify your insurance company of an accident or injury, but don’t talk to the insurance company beyond giving that notice. What you say verbally or in an email or letter may well be used against you. You may innocently say the wrong thing or provide incomplete or ambiguous information and trigger a disastrous chain of events that could lead to denial of your claim. The attorneys at PR&A have seen that happen time and time again. Insurance companies are notorious for twisting the insured’s own words, taking facts out of context and drawing false assumptions based on half-truths. When you deal with the insurance company through an attorney, you prevent the insurance company from going down that road.
It’s an understatement that insurance policies aren’t easy reading. You may think something isn’t covered when it is. Your insurance company may tell you there is no coverage when in fact there is--that happens every day of the week. Don’t rely on the self-serving opinion of the claims adjustor! If you poke around the internet, you will read about insurance companies that rewarded claims adjustors for denying claims or had monthly claims denial quotas. PR&A attorneys experienced in insurance coverage matters know what the policy provisions mean and how they have been interpreted. Your attorney will provide you with an educated and unbiased opinion of your rights under your policy and then fight for the recovery you deserve.
Every day, there are illegal and unfair claims practices employed against insureds. Some insurance companies are infamous for low balling settlements or dragging out a claim for so long that the suffering insured has no choice but to cave in and accept a less than fair and just resolution. The experienced insurance coverage attorneys at PR&A know when one or more of these unscrupulous and/or obstructionist tactics are being used against an insured and how to aggressively defend against them.
Don’t fall prey to your insurance company. Don’t be a victim; be proactive from the start and short circuit the strategies insurance carriers use to delay and deny valid claims by engaging one of the experienced insurance coverage attorneys at Pellettieri Rabstein and Altman. The members of the Insurance Litigation Department include:
Frank M. Crivelli (Chairman)
Donald C. Barbati
Each insurance litigation case is unique. Some insurance cases can be settled without going to court; others may require a trial to resolve the dispute. The PRA Insurance Litigation Department aggressively represents the individual needs of each of their clients. It is our job to assist you in defining your goals and objectives and then formulate a strategy to make them happen. All of our attorneys strive to reach reasonable settlements, but are always prepared and able to seek judicial intervention from the courts.