Moore, OK, Insurance Lawyer

Get Help from An Insurance Lawyer in Moore, OK

When you take out an insurance policy and pay your premiums promptly, you expect professional service and fair payment when you make a claim. Unfortunately, this does not always happen. Insurance policies use complicated language that can be confusing, and insurance companies have a wide range of tricks up their sleeves to avoid paying. They may 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 Moore insurance lawyer can help you get the benefits you deserve.

Insurance companies are out for profit and have high-powered lawyers to protect them, and so fighting them is difficult to do on your own.  When you call our seasoned insurance dispute lawyer in Moore, 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. Our skilled legal professionals can walk you through any issues related to insurance claims or coverage, and, in many cases, we can make the difference in securing a positive outcome.

Insurance lawyer Doug Terry protects those who have been wronged or mistreated by an insurer and have had their claims wrongfully denied, delayed, or underpaid. Our Moore, 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 over and above the amount of the denied claim.

If you are having problems with your insurance company or believe your claim has not been handled fairly or in good faith, call insurance lawyer Doug Terry at (405) 463-6362. 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.

FREE CONSULT CALL 405-293-3541.

Our Moore, OK, Insurance Attorney Works for You

Why Choose Us?

Insurance disputes can be extraordinarily complicated and detailed, but no matter what type of problems you are having with insurance companies, it can help to have a legal professional on your side. At Doug Terry Law, we understand what you are going through and are fully prepared to take all steps necessary to get you the payment you deserve. While there are many attorneys out there, here are some reasons why we feel our firm is your best choice to handle your case:

• 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 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 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 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 Moore, OK, Handles Your Case

A trained lawyer can help you secure a positive outcome in disputes with any type of insurer. When you retain Doug Terry Law, we will start working on your behalf immediately. We will:

• Meet with you to discuss your case and determine whether the insurer has acted in bad faith according to the law.
• Read and analyze your policy to help you understand the fine print and see where the insurer is failing to live up to it.
• Help you understand and navigate the complex laws governing insurance.
• Negotiate aggressively with the insurance company for a fair resolution.
• Take your case to court and represent your interests if the case isn’t resolved through negotiation.
• Handle all paperwork, communications, and other details so you don’t have to.

Do not let greedy corporations provide you with less than you deserve. Start fighting back by calling Doug Terry Law today.

CALL NOW 405-293-3541

Unfair Tactics That Insurance Companies Use

Policyholders should be aware that insurance companies don’t want to pay out money and should be on the lookout for the schemes used to avoid paying. Remember that 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, you have the right to pursue compensation for their losses and get legal help to do so.

The following are some of the most common tactics that insurance companies use to avoid paying clients:

Wrongfully denying claims

Sometimes insurance companies just flat out deny your claim.  However, a denial letter from your insurance company does not have to be final. The insurance company should send you a letter stating the reason for denial, and you have the right to ask for an explanation. The insurance company may be wrong, the explanation may not stand up in court, and your claim may be valid. Doug Terry can let you know if this is the case.

Underpaid Claims

Many major insurance providers have been known to underpay claims following an accident, injury, or other loss. By withholding millions of dollars from honest claimants, they can boost their bottom line. Underpaying an insurance claim may qualify as unfair treatment from your insurance provider. Our Moore insurance attorney will review the facts of your case and help you determine the best course of action and 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 your insurer.

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

Sometimes, payment delays are a strategy to encourage policyholders to accept inadequate compensation. This is an unfair tactic that hurts those who need payments in order 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. 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 Moore, OK. We will fight tirelessly to defend your rights and pursue your interests.

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

Moore, OK, Insurance Lawyer Answers FAQs

When you have been wrongfully denied an insurance claim, it is normal to have questions and concerns. The knowledgeable Moore insurance attorneys at Doug Terry Law can answer these best 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?

In addition to receiving the money that you are fairly owed from your policy, you also have the possibility of recovering additional funds to compensate for your time, frustration and other losses. All of these payments are known as “damages.” In Oklahoma, 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 the bad faith actions, such as lost wages, or lost revenue through business interruption, and court costs and reasonable attorney fees.
• 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 the court uses these punitive damages to set an example, so that other insurers are less likely to engage in similar conduct.

Are there time limits for filing a lawsuit against an insurance company?

Yes, your insurance policy has language that limits the amount of time you have to file a lawsuit. Often, the policy may permit only a year to file a suit. It is important to contact our Moore insurance lawyers now, so we can start preparing your case.

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. Our 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.

What if I am facing denied home insurance claims? 

Homeowners insurance claims often get denied if you take too long to file a claim or if you don’t supply enough information, but even if you do everything right, the company may still deny your claim.  Our Oklahoma City home insurance claim lawyers will examine your homeowner’s policy to see if there are legitimate reasons for denial, such as exclusions in your policy for earthquakes or reasonable wear and tear, and if these exclusions apply in your situation. If your claim is valid and does not fall under a “reasonable denial,” we will consider filing a bad faith insurance claim.

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

Call Our Moore, 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.

We handle all types of insurance policies and coverage providers, including:

• Health insurance
• Property insurance–including homeowners’ policies
• Automobile insurance
• Life insurance
• Commercial property insurance and commercial liability policies
• Credit insurance.

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 Moore, OK, reach out to Doug Terry Law. Do not allow disreputable insurance providers to withhold the money that you deserve. Call Moore 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.