The attorneys at Padilla & Associates handle disputes between insurance companies (insurers) and the policy holders (insureds). When an insurer denies ("disclaims") coverage, the insured is left without any protection from the underlying liability claim. Our attorneys have experience battling insurance companies to make sure they fully cover the claims they are supposed to. Our firm's founder, Jeffrey Padilla, has broad insurance coverage experience stemming from his years working as an in-house attorney for a major liability insurance company. That experience helps the attorneys at Padilla & Associates formulate effective claims for insurance coverage.
Insurance coverage claims are important not just because the insured has access to the policy limits to pay off underlying liability claims, but also because most policies obligate the insurer to provide a legal defense to the insured.
An insured which successfully defeat an insurer's disclaimer is often entitled to recover the attorney's fees spent litigating the validity of the disclaimer. As a result, some insurers can be convinced to "defend under a reservation of rights." This means that the insurer will provide a legal defense to the underlying liability claim while reserving its right to refuse to pay the policy's limits. Sometimes, this arrangement can be a victory in itself for the insured because a defense to a liability claim can be quite costly.
We Handle All Types of Insurance Coverage Disputes
The attorneys at Padilla & Associates have experience handling various insurance coverage disputes, including the following:
· Late Notice of Claim
· Claim is Not a "Covered Loss"
· Additional Insured Provisions
· Conditions Precedent to Coverage
· Disclaimer Validity
Timely Reporting of an Insurance Coverage Dispute is Critical
Early intervention of an insurance coverage dispute is critical. Usually, the best practice is for our law firm to be contacted immediately upon receipt of a liability claim. We will promptly analyze the claim and determine which insurance company (or companies) should be notified. We will then formally transmit the claim to the appropriate insurance company to maximize the chances that coverage will be afforded. If coverage is not afforded, we will take the necessary steps to protect your rights while the insurance coverage dispute is handled.
At the law firm of Padilla & Associates, our experience and results demonstrate the lengths we go to for every client. We will put that experience on your side to obtain the most favorable results available to you.
Contact Us Now for a Free Consultation
Call us at 888-314-9649 or send us an e-mail to schedule a consultation with an attorney with experience in all types of insurance coverage disputes.
Se habla español.
