Specialty Insurance Denials

Most people have property insurance, health insurance, maybe even life insurance and long-term care insurance. But there are other types of insurance that are less common and specialized to industries or certain people. Unfortunately, just like with the more common types of insurance, insurance companies deny these claims as well. And if you’ve purchased this type of insurance, you did it for a reason and are relying on it. We know that an insurance claim denial can be a hardship and may even turn your world upside down. We’re here to fight for what you deserve – what the insurance company promised you – while you focus on recovering yourself.

Because specialty insurance policies are just that, designed for special scenarios, it means there is a lot of fine print and opportunity for insurance companies to find loopholes to deny claims. In these types of cases involving special insurance policies like cancer insurance, hospital indemnity insurance, recall insurance and others, the fine print could mean the difference between receiving benefits and being denied. Our attorneys at Donahue and Horrow are experienced in recognizing the loopholes and finding ways to close them – turning your denial into an award of your benefits. Our team includes former insurance defense attorneys – they’ve actually experienced the other side of it and are uniquely positioned to understand the inner-workings of the insurance industry.

You may feel defeated after the insurance company denies your claim. Don’t let their “gotcha” clause inflict more difficulty on your life. You are likely facing a difficult time right now and that’s why you are relying on this insurance you purchased in the first place. There may be ways to overcome the fine print and close the loopholes these insurance companies are creating. We’ll take the burden of fighting the insurance company off your shoulder.

 

Is your company is facing a recall and needs to rely on recall insurance?

A recall can be a huge financial burden on a company. That’s why you purchased this type of insurance in the first place. You may need to also focus on public relations and preserving your reputation with your consumers. Having to deal with the headache of an insurance company could be a huge burden.

 

Have you been diagnosed with cancer and need the benefits under your cancer insurance policy?

Being diagnosed with cancer can be devastating in and of itself. And then being denied your insurance benefits by an insurance company? It can just make the situation feel that much worse. Unfortunately, insurance companies are in the business of making money and will look for ways to deny your benefits. You need an experienced team on your side to fight for what you deserve.

 

Let us fight your insurance company for you.

Regardless of the type of specialty insurance you are dealing with, it can be a huge burden to have to fight the insurance company. We can lift that burden and fight the insurance company for you. In fact, we’re well-positioned to do so. Our team of attorneys includes former insurance defense attorneys. We know the tricks and loopholes the insurance companies will pull. And even more importantly, we know how to close those loopholes and hold the insurance company accountable.

 

If you’re specialty insurance policy has been underpaid, delayed or denied, you have options

You don’t need to accept the insurance company’s decision. You can, and should, fight for what they owe you and what you deserve. We are here to help you understand what you deserve, your options and the best course of action for you. We take all of our cases on a contingency basis. We know you may not be in a position to pay for an attorney out of pocket – you won’t pay us a dime unless and until we recover for you. We’ll take the burden of insurance off of you so that you can focus on recovering from the situation yourself, whether it’s a personal situation or your company.

 

Call us today for your consultation.

Specialty Insurance Claims

About Specialty Insurance Policies

“I found this law firm to be professional, courteous, and very knowledgeable in disability law. The attorneys made clear all my rights under the law, what to expect during the process, and explained my options available. The firm was quick to answer my calls, and prompt in completing all the required paperwork. Michael Horrow did what my previous attorneys could not and got me my disability payments guaranteed for life. I would recommend Donahue & Horrow without hesitation.” — J.G., Oceanside, CA

 

Specialty Insurance Products Often Contain A Lot of “Fine Print”

In addition to the types of insurance that most people are familiar with — disability, life, accidental death and dismemberment, health, and property insurance — insurance companies offer a wide range of specialty insurance policies. Some of these specialty insurance policies are very targeted, such as recall insurance, which is designed to protect companies in case one of their products is subject to a mass recall.

Others can apply to anyone, such as hospital indemnity policies and cancer policies, but only cover very specific scenarios. For example, a cancer insurance policy is similar to a disability policy, although it only covers this one specific disabling condition.

The more targeted and specific a specialty insurance policy is, the more important it is to pay attention to the fine print in the policy. Unfortunately, many policyholders only find out how narrow the parameters of their insurance coverage are when they file a claim and the insurance company denies it.

If you have a specialty insurance policy that has been underpaid, delayed or denied outright, you may have more options than your insurance company wants you to believe. We can help you understand your policy, its limitations, and what your legal options are.

 

Our Lawyers Have More than 50 Years of Experience Involving Specialty Insurance Policies of All Types

At Donahue & Horrow, LLP, our attorneys have more than 50 years of experience in the field of insurance law. Our experience can benefit people with specialty insurance policies in the Los Angeles area and throughout California.

We know all about the underhanded methods that insurers will use to avoid paying claims. In hospital indemnity policies, for example, an insurer may try to avoid paying a claim because fine print in the policy requires that hospitalization must have been caused by an accident, rather than an illness, in order for it to be covered. If there are opportunities to overcome the fine print, we can find them in order to help you get the money to which you are entitled.

“Donahue and Horrow, LLP came to me highly recommended, and they did not disappoint. The attorneys of this firm are not just amazing at what they do; they are kind and compassionate people. Through a difficult and delicate situation they always went above and beyond to make sure I felt comfortable and at ease. I always felt that they had my best interest at heart. I cannot thank them enough for all that they have done for me.”– TR  More Client Testimonials

 

Is your insurer refusing to pay on a specialty insurance claim? Our lawyers can help.

From El Segundo law offices, we help consumers wrongfully denied insurance benefits get the compensation they are entitled to. Serving all of California including Los Angeles, San Bernardino, Orange, Pomona, Fullerton, Thousand Oaks. All cases are taken on a contingency basis, which means you pay nothing and we receive nothing unless you win your case by way of settlement or verdict. Call us toll free at 877-664-5407 or e-mail us to schedule a consultation with our Los Angeles specialty insurance claims lawyers.