Insurance Disputes

Unfortunately, insurance companies don’t always act in good faith.

When you purchase insurance, you expect the insurance company to be there when misfortune affects you or your family. You don’t expect unfair delays, unreasonable denials, or inadequate payments. If your insurance company is not living up to its obligations, let attorneys Kim Cullen & Bob Hemphill put their personal and professional legal services to work for you. Kim and Bob handle all types of insurance disputes, including life insurance, health insurance, automobile insurance, homeowners insurance, property insurance, renters insurance, disability insurance, and travel insurance. Call Cullen & Hemphill, PLC at 407-254-4901 to discuss your case.

Insurance is one of things that we all must have, but hope to never use.  When you purchase any type of insurance, you are essentially entering a legal contract that requires the insurance company to be there if you are sick or injured, or if your property has been damaged.  If something happens that is covered by your insurance, it is reasonable for you to expect full compensation without delays. You paid for it, and you are entitled to full benefits when you have a legitimate covered claim.

Unfortunately, insurance companies don’t always act in good faith.  Insurance claims cost the insurance companies money, so insurance policies are often full of loopholes and exclusions that are confusing and that can be interpreted in a way that allows the insurance companies to avoid paying full benefits.

If an insurance company has refused to pay your claim, denied you payment, has offered you an inadequate settlement, is delaying payment or is requesting excessive documentation and paperwork, Orlando attorneys Kim Cullen & Bob Hemphill may be able to help you.  Kim and Bob have experience with many types of insurance disputes.

Health insurance

Medical insurance is supposed to cover health care.  However, loopholes often exclude pre-existing conditions and newer or experimental treatments.  Delays and unfair denials can cost you money, and if they keep you from getting the care that you need, they may even endanger your health!

Homeowner’s and property insurance

It is not uncommon for insurance companies to deny, delay or underpay homeowner’s claims.  Adjustors may also try to pressure homeowners into quick settlements that do not sufficiently cover the property damage or loss.

Auto insurance

By law, you have to carry a minimum amount of personal injury protection coverage in your automobile insurance policy.  This is supposed to ensure that your medical bills and lost wages will be paid if you are in a car accident.  However, insurance companies sometimes elect not to pay medical bills or lost wages that should be covered under the insurance policy.  Working with lawyers like Kim and Bob can ensure that you get the coverage and benefits you are entitled to.

Kim and Bob can also help with disputes involving vehicle repair costs, diminished car values, and stolen vehicles.

Kim Cullen & Bob Hemphill handle all types of insurance disputes, including life insurance, health insurance, automobile insurance, homeowners insurance, property insurance, renters insurance, disability insurance, and travel insurance.

When an accident, illness, wrongful death, or property damage affects your family, you have enough on your mind.  You don’t need the added stress of dealing with insurance companies.

At Cullen & Hemphill, PLC, we treat you like we would like to be treated. That’s why we keep our caseload small, so we can do just that.

Your case will get our very best effort.  Kim, Bob, and their staff will go over every detail of your insurance contract looking for ways to help you.  They will do legal research, search for similar cases, and generally do everything they can to see you get full and fair compensation.

If your insurance company is acting in bad faith, call Kim & Bob.  They will review your claim and your contract and let you know how they can help. The initial consultation is always free.

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