1st Party Insurance Claims
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First-Party Insurance Claim Attorney in Mesquite: Representing Clients Whose Insurance Claims Were Unfairly Denied
What Is the Difference Between a First-Party and a Third-Party Insurance Claim?
A first-party insurance claim is filed by the policyholder with their own insurance provider. This usually occurs after incidents like medical bills, property damage, or collision repairs. Most policies require the policyholder to pay a deductible when filing a first-party claim.
In contrast, a third-party insurance claim is made against someone else’s insurance company to cover your expenses. You must prove that the other party is at fault. While you typically won’t pay a deductible, the process to receive compensation can take longer.
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Even if you do not see your case type listed, we encourage you to contact our office at 972-682-9700 and request a no-commitment initial consultation. Our office is conveniently located in the heart of Mesquite, within easy access from US-80 and just 9 minutes from Samuell Farm park, 7 minutes from E.H. Hanby Stadium, and 11 minutes from the Mesquite Metro Airport (HQZ).
What Should I Do If I Filed a First-Party Insurance Claim and It Was Denied?
Despite what insurance companies claim, their primary focus is often on profits, not on meeting your needs. It’s common for first-party claims to be denied, but this doesn’t have to be the end of the line.
If your claim was denied, your insurance company must provide a written reason for the denial and information on how to appeal. Once you have this information, consult a first-party insurance lawyer to discuss your options for disputing the denial.
How Do I Know If My Insurance Company Is Acting in Bad Faith?
To prove bad faith, look for several indicators. After you file a claim, insurance companies typically must respond within 15 business days. If you haven’t heard back after this period, they may be acting in bad faith.
Common bad-faith practices include:
- Misrepresenting policy provisions
- Failing to respond timely to claims
- Inadequately investigating claims
- Underpaying or denying legitimate claims
If your claim was filed while your policy was active and you’ve met all terms, yet the insurance company delays payment or pays less than you deserve, you may be facing bad faith. Contact an attorney to assert your rights.
How Can a First-Party Insurance Claim Lawyer Help?
Insurance companies are for-profit businesses. They often employ tactics to protect their bottom lines at the expense of claimants who genuinely need help after an accident. If your legitimate first-party claim was denied, an attorney can help you fight back.
At the Oberg Law Office in Mesquite, Texas, Attorney Gregg Oberg is all too familiar with the tactics commonly employed by insurance companies, and he is ready to help you fight back. Contact the Oberg Law Office at 972-682-9700 to learn more.
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Call our law firm at 972-672-9700 for a free case review.
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