The insurance landscape, particularly in the US, is incredibly complicated, with many customers encountering difficulties in making claims when issues arise. As climate change makes natural disasters more frequent and more damaging, customers are increasingly relying on insurance to make sure their homes and businesses are protected. Ballooning health costs also present a major challenge to Americans, especially those who rely on health insurance because they cannot afford to pay for treatment and medications out-of-pocket.
The average person knows very little about insurance, putting them at a disadvantage when dealing with their insurance company. This is where Your Insurance Attorney, a specialist insurance law firm, comes in. Founded in 2019 by Anthony M. Lopez, who has almost two decades of insurance litigation experience, Your Insurance Attorney specializes in dealing with insurance disputes.
According to Lopez, he has handled cases where property insurance policyholders are offered a settlement of only a small fraction of their property's insured value, resulting in great financial loss for the client. For health insurance, clients have been presented with highly inflated medical bills or have had their claims denied outright, plunging them into debt or making life-saving medical interventions inaccessible.
With his long history of handling insurance dispute cases, Lopez says there are three tactics that emerge when it comes to improper handling of insurance claims. These three 'Ds' are Deny, Devalue, or Delay. For the first one, the insurer may cite a clause in the contract interpreted as excluding the customer's claim, such as Acts of God/Force Majeure, causing it to be denied. Claims can also be devalued, where the assessment for the claim is much lower than the actual damage. Finally, claims handling can be delayed, which leads to frustration for the customer and makes them more likely to accept a smaller settlement or walk away entirely.
In these kinds of disputes, Your Insurance Attorney harnesses its arsenal of insurance industry and legal knowledge to help turn the tide towards the client's favor. Lopez and his team have significant experience in cases involving property damage, personal injury, nursing home negligence, and inflated medical insurance claims. Having handled over 75,000 cases and recovered more than $1 billion in compensation for its clients, Your Insurance Attorney has a reputation for success in the industry. Lopez says this reputation is a result of his and his team's tenacity and attention to detail, digging into the insurance documents and case law to get behind the complicated language and find what they need, such as accurate property value assessments or the correct price of medications.
Your Insurance Attorney also works on a contingency basis, which means their clients don't need to pay anything until they win and receive their insurance payout. The firm also offers services in Spanish, assisting members of the Latin American community – an important cause for Lopez, who is of Cuban-American heritage. With offices in Florida, Georgia, Colorado, and North Carolina, it is able to reach millions of Americans who are in need of expert guidance and legal representation throughout the insurance claim process.
"Your Insurance Attorney separates itself from the competition with a team of board-certified civil litigation attorneys who are among the top of their profession," Lopez says. "By working together rather than in silos, we are able to provide a higher level of service and resolve cases faster. Because we are a trial firm and not a 'settlement house', we don't just grab the first possible opportunity to settle during complicated cases. Instead, we are always willing to go the distance to get the best results for our clients."
