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Sooner is better. If things do not seem right, you should not delay in seeking legal advice. Getting an early opinion gives you the opportunity to learn about your options, what evidence may be important, and how to proceed.
Experience, aptitude, and determination make us the ideal legal partner when you are at odds with your insurer.
Not all unfairness is illegal, and we have the experience to tell the difference. You may not need a lawyer, and we'll tell you that. Or you may need minimal lawyer involvement, and we'd tell you that, too. We are a firm you can trust to give you logical, value-driven advice, and keep you informed.
Filing a complaint with the Department of Insurance might seem like the logical step when you feel your insurance company is acting in bad faith. However, there are certain considerations that should be taken into account before deciding to go down this path, and it's not always the best option. There are a few reasons why you might want to think twice before filing a complaint:
The process can be slow. The department of insurance may take several months to investigate your complaint, and you may not receive a resolution until even longer. This can be frustrating, especially if you need the money from your insurance claim to pay for repairs or medical bills.
The outcome is not guaranteed. Even if the department of insurance finds that your insurance company acted in bad faith, they may not order the company to pay your claim. In some cases, the department may only issue a warning to the company.
Filing a complaint could damage your relationship with your insurance company. If you file a complaint with the department of insurance, your insurance company may be less likely to work with you in the future. This could make it difficult to get coverage for future claims.
Complaining to the Department of Insurance could be beneficial, and could resolve your issue, but it should not be your first step towards dispute resolution with your insurer. Contact us to discuss your case, we have the experience to help with this decision.
Pam Witte, founder of Athena Law, is an experienced attorney with a strong insurance background, having worked as an agent and underwriter. Her legal expertise serving as corporate counsel to several insurance companies is complemented by her service to the Court of Appeals of the State of Arizona. An ASU graduate, Pam’s dedication extends to her community through her board position at STARS, a nonprofit for individuals with disabilities. Her legal acumen was recognized when she won the Oplinger Closing Argument competition in 2014. Pam’s commitment to fair play and just outcomes in insurance law defines her professional ethos.