Increasingly, individuals are experiencing problems when it comes to having legitimate claims honored by insurance companies. Examples include the following:

A. non–payment of medical bills that should be covered by your health insurance policy;

B. non–payment of long term disability benefits that should be covered by your disability insurance policy;

C. non–payment of costs to fix a home that has been damaged in a fire or by water or wind and that should be covered by your homeowner’s insurance policy;

D. non–payment of the proceeds of a life insurance policy;

E. non–payment of the cost of nursing home care that should be covered by the terms of a long term care insurance policy;

F. non–payment of uninsured or underinsured motorist’s benefits that should be covered by your auto policy.

An insurance policy is a contract governed by the same rules of law that govern contracts, in general. One such rule of law is that each party to the contract has a duty of good faith and fair dealing. That requirement of good faith and fair dealing applies to the insurance company.

In addition to that, Connecticut has special rules that govern the form and content of insurance contracts, and, as well, the manner in which a claim must be adjusted by the insurance company. Part of the statutory framework includes the Connecticut Unfair Insurance Practices Act, commonly referred to as “CUIPA.” CUIPA contains a specific enumeration of prohibited conduct and practices, including unfair settlement practices. Multiple violations of CUIPA by the same insurance company may be the foundation for a separate claim against the insurance company based upon violation of the Connecticut Unfair Trade Practices Act.

What You Can Expect From Us:

We carefully will review and analyze your insurance contract and any relevant supporting documents.

We will meet with you as often as we need to or you want to.

We will investigate and analyze the merits of your claim in a time sensitive, thorough, and skilled manner.

We will be persistent and diligent in obtaining necessary documents.

We will be diligent in communicating your position to the responsible insurance company or representatives.

We will keep you informed consistently about what we are doing by letters to you, phone calls to you, and email communications to you.

If we are not here when you call or email, we will answer your phone calls and email communications the same day.

We will assure that you feel comfortable and at ease when you call the office; you will not be made to feel that it is a burden for us to speak to you.

When we communicate with you, we will do so clearly, and will not use legal double talk.

We will evaluate your case honestly and will not make false promises or create unrealistic expectations.

We will aggressively, but not obnoxiously, fight to obtain the maximum monetary recovery realistically attainable.

We will not back down or be intimidated by the insurance company or its representatives.

If the offer made by the insurance company is not reasonable, we will tell you that, we will not pressure you to accept it, we will recommend that you put the case into suit, and, if you authorize us to do so, we will commence that lawsuit immediately!