Guthrie, OK, Insurance Lawyer

An Insurance Lawyer in Guthrie, OK, Helps Solve Problems

When you pay your insurance policy premiums as required, you expect to receive promised benefits when you need them, but too often, insurance companies create problems such as claiming you didn’t file correctly, paying you less than you deserve, or refusing to honor your valid claim. This unreasonable denial or failure to meet obligations under your insurance policy is considered “bad faith,” and when this happens, a Guthrie, OK, insurance attorney can help you get the benefits you deserve.

Insurance companies are out for profit and have high-powered lawyers to protect them, so fighting them is difficult, frustrating, and not something you should attempt to do on your own.  When you call our seasoned insurance lawyer in Guthrie, OK, we can help you determine whether you have been treated fairly by your insurance provider or if they are not acting in good faith, as required by law.

In addition, there are many different types of insurance, and each category has its own complexities and nuances that can become confusing to consumers who are not familiar with the system. Our skilled legal professionals can walk you through any issues related to insurance claims or coverage. In many cases, having a Guthrie insurance attorney can make the difference in securing a positive outcome.

Insurance lawyer Doug Terry protects those who have been wronged or mistreated by insurance and have had their claims wrongfully denied, delayed, or underpaid. Our Guthrie, OK, insurance team knows Oklahoma law and how to navigate the claims system to ensure that you get the settlement you deserve. Not all consumers know that they have legal options for pursuing the full amount of money due to them. In a successful bad-faith insurance case, you can even win compensation for damages that is over and above the amount of the denied claim.

If you believe your claim has not been handled fairly or in good faith, call insurance lawyer Doug Terry at 405-293-3541. We offer a free consultation to discuss your case and determine the best way to move forward. We will fight diligently to recover the compensation that’s rightfully owed to you.

If you have been treated unfairly in an insurance dispute, call our office at 405-293-3541.

Our Insurance Lawyer in Guthrie, OK, Can Help You

Why Choose Us?

There are many attorneys out there, and it is important for you to find one you have confidence in and who has the experience needed to successfully handle your case.  Here are some reasons why we feel Doug Terry Law is your best choice to deal with insurance companies:

• We are experienced. Attorney Doug Terry has been practicing law for decades. He started out working for a firm that represented insurance companies, so he knows how the industry works and the tactics they use to take advantage of consumers.
• We are local and understand local issues. Doug was born and raised in Oklahoma and has spent his entire legal career in the state’s capital.
• We have a long record of success, including a $200 million verdict won in a case in which an insurer denied a health insurance claim.
• We are recognized in the community and by our peers. Doug has been awarded a Martindale-Hubbell “AV Preeminent” rating from his peers in the legal community. He has also been selected as an Oklahoma Super Lawyer.
• We develop a personal relationship with our clients as an advocate and ally and take their concerns seriously. You can read our client testimonials to learn more about how we help.
• We negotiate forcefully with insurance companies but are strong litigators and willing to take your case to court if necessary. Doug Terry’s career has taught him that the only way to get results against well-funded insurance companies is to be relentless, thoroughly prepared, and tough as nails.

How Our Insurance Attorney in Guthrie, OK, Works for You

When you retain our firm, we will start working for you immediately. Insurance attorney Doug Terry will:

• Meet with you to examine your case and determine whether the insurer has acted in bad faith according to the law.
• Read and help you understand the fine print of your policy.
• Help you navigate the complex laws governing insurance.
• Negotiate aggressively with the insurance company on your behalf.
• Represent your interests in the courtroom if the case isn’t resolved through negotiation.
• Handle all paperwork, communication, and other details so you do not have to.

Rest assured that we will do everything possible to fight for the benefits you deserve.

Call us today to get started at 405-293-3541.

Wrongfully Denied Insurance Claims

Let a Guthrie, OK, Insurance Attorney Fight for You

When an insurance carrier has denied your claim, it is normal to feel frustrated and emotional. Contacting an insurance lawyer in Guthrie, OK, allows you to pursue a legal claim for the money that you need and rightfully deserve.

It is illegal for an insurance provider to improperly deny a valid claim or treat you unfairly. This is known as acting in “bad faith. When an insurance company acts in bad faith, victims have the right to pursue compensation for their losses. This is true with many different types of insurance policies and coverage providers, such as:

• Health insurance, if your health insurance claim was denied
• Property insurance, including homeowners’ policies, for denied home insurance claims
• Automobile insurance, as automobile insurance claims are often denied unjustly, and for uninsured and underinsured motorist coverage
• Life insurance
• Commercial property insurance, and commercial liability policies
• Credit insurance.

No matter what type of policy claim you filed, your provider is required to work in their clients’ best interests. Failing to do so constitutes grounds for a legal claim.

If you have been wrongfully denied an insurance benefits payment, do not hesitate. Reach out to a trustworthy Guthrie, OK, insurance lawyer today. You may be able to recover the policy benefits and additional compensation.

Unfair Tactics That Insurance Companies Use

In addition to wrongfully denying insurance claims, there are other tactics that insurance companies use to avoid paying clients. Among the most common are:

Underpaid Claims

Many major insurance providers have been known to underpay claims. This allows them to boost their bottom line and withhold millions of dollars from honest claimants.

If you have been underpaid following an accident, injury, or other loss, contact a legal professional in Guthrie. Underpaying an insurance claim may qualify as unfair treatment from your insurance provider.

A knowledgeable Guthrie, OK, insurance attorney will review the facts of your case and help you determine the best course of action. It can be challenging to establish a bad-faith insurance case when underpayment occurs. However, some underpayment is the result of improper practices that affect all policyholders. In cases like these, an insurance attorney in Guthrie, OK, may be able to build a powerful claim on your behalf.

For example, suppose you were hospitalized following a personal injury. If you face a denied health insurance claim because of its “usual and customary” charges, you may have a valid claim against them.

Failure to Investigate or Unreasonable Delay in Investigating a Claim

Insurance companies have a duty to investigate claims promptly, but often use unethical stalling tactics to avoid paying. They may be held liable for delays or failure to investigate your claim and gather crucial evidence.

Misrepresentations and Unreasonable Interpretations

Policies are often written in language that is easy to misinterpret, and insurance companies take advantage of clients’ lack of knowledge to avoid paying.  Common tactics include:

• Misrepresentation of benefits, coverage, or other provisions of an insurance policy that are relevant to a claim.
• Unreasonable interpretations of policy language to avoid payment.
• Imposing arbitrary deadlines or time limits not specified in the policy to make a claim.
• Failure to disclose policy limits.
• Redefining what constitutes necessary medical procedures, home repairs, or auto repairs in order to deny a partial or total claim.

Payment Delays

There are many reasons that an insurance provider might attempt to withhold payment from you. Sometimes, payment delays are a strategy to encourage policyholders to accept inadequate compensation.

This is an unfair tactic that hurts those who need payments to move forward. Do not accept this type of treatment from your insurance provider. Insurance companies that focus on profits over the welfare of their clients deserve to be held accountable.

Refusal to Defend

Another type of bad faith practice involves the refusal to defend a policyholder in their time of need. If a policy provider places their own corporate profits above the well-being of their clients, they may be held liable for bad faith practices. When a policyholder is struggling to pay for an accident, injury, or mishap that they caused, their insurance provider is required to help. Do not let tightfisted insurance companies fail to defend and protect your best interests. If you have been found liable for an accident, you should be able to count on your insurance company. Failing to defend you after an accident may constitute bad faith on the part of your insurer.

If your provider is delaying rightful payments by using these or other tactics, reach out to our insurance attorney in Guthrie, OK. We will fight tirelessly to defend your rights and pursue your interests. Do not let greedy corporations provide you with less than you deserve.

For legal representation, contact Doug Terry Law at 405-293-3541 today.

Guthrie, OK, Insurance Lawyer Answers FAQs

When you have been wrongfully denied an insurance claim, it is normal to have questions. The knowledgeable Guthrie, OK, insurance attorneys at Doug Terry Law can answer all your questions at your free consultation, but to get you started, here are some answers to questions our clients often ask:

What type of compensation is available in an insurance legal claim?

When you have been wrongly denied or underpaid for an insurance claim, you have the legal right to pursue the money that you are owed. But you also have the possibility of recovering additional funds to compensate for your time and frustration. These payments are known as “damages.” In most bad faith insurance claims, victims can pursue compensatory damages for their negative experience.

What compensatory damages can I receive from bad faith actions? 

Compensatory damages may include:

• Your financial losses, including your initial losses under the policy — the costs of the original accident, damages, and injuries up to insurance policy limits.
• Additional financial losses caused by bad faith actions, such as lost wages, or lost revenue through business interruption.
• Embarrassment and loss of reputation, such as financial problems caused by delayed or denied insurance payments.
• Emotional distress resulting from the insurer’s improper conduct.

In rare instances, victims may recover punitive damages in cases where the insurance provider has behaved in a particularly egregious manner. Punitive damages from bad faith actions are additional compensation awarded by a jury to punish the insurance carrier for their behavior. Oklahoma wants to discourage insurance companies from being unfair or negligent so uses these punitive damages as an example so that other insurers are less likely to engage in similar conduct.

What should I do after my auto insurance claim is denied?

There are several factors that can result in the denial of an auto insurance claim. Still, many claimants are unsure about what to do in the wake of a denied claim.

Often, insurance providers will cite preexisting medical conditions, previous car damage, and other elements to undermine your claim. Do not stand for this. An attorney will review the elements of your insurance denial and help you fight for the money that you need to move forward with your life.

Should I trust the expert hired by an insurance provider?

Insurance providers sometimes rely on the testimony of “experts” when responding to claims. This practice can be a good-faith attempt to secure an accurate estimate.

However, some disreputable companies rely on experts who are biased in the provider’s favor. This is a bad faith tactic that can result in an undervaluing of the victim’s claim and an unfair and deceitful practice.

If your insurance company is using any bad faith tactics or your claim has been undervalued, reach out to an insurance attorney in Guthrie, OK, as soon as possible.

Call Our Guthrie, OK, Insurance Lawyer for Help

Insurance lawyer Doug Terry is proud to protect individuals who have been wronged by an insurance company’s bad faith conduct. No insurance company is too powerful or too big to challenge or hold accountable for their wrongful conduct when you have the right lawyer on your side.

Doug believes bad conduct by insurance companies is just plain wrong and will immediately put his experience and skill to work helping you get the compensation you deserve. He represents clients across Oklahoma and beyond who have problems with a wide range of claims, including health, automobile, homeowners, disability, life, and commercial insurance claims.

To speak with a premier insurance lawyer in Guthrie, OK, reach out to Doug Terry Law. Do not allow disreputable insurance providers to withhold the money that you deserve. Call Guthrie insurance lawyer Doug Terry today to hold insurers accountable for what they owe you. We will gladly review the facts of your insurance-related case and help you determine the best path forward.

Whether you have faced a denial, delayed payment, or unreasonably low estimate, we can help. Call our office at 405-293-3541 today.