Insurance Coverage Disputes

Experienced North Carolina Insurance Lawyers

Almost everyone has insurance covering loss and damage to property as well as personal protection to avoid costly medical bills related to physical injuries. However, when it comes to making claims against those policies, people are often told that the policy doesn't cover specific types of damages and injuries. At Smyth & Cioffi, LLP, in Raleigh, North Carolina, our attorneys are committed to helping people resolve complex insurance coverage disputes.

When your Insurance Company Isn't Treating You Fairly
Contact Smyth & Cioffi, LLP for a Free Initial Consultation
919.782.2000

Insurance coverage disputes often arise from confusing and ambiguous language written into insurance policies. Insurance companies manipulate this language to deny claims that should legitimately be covered. Most insurance coverage disputes come down to a couple of factors:

• Scope of the insurance - Insurance policies have implicit and implied coverages. Some insurance companies try and claim that there are no implied coverages. However, homeowner's policies, auto policies, and life insurance policies can not possibly detail every possible coverage issue. Having handled insurance issues for two decades, we understand how to decipher insurance contracts and determine what is reasonably within the scope of an insurance policy.
  
• Effective dates of the insurance - Insurance companies often will claim that a policy was not in effect at the time of an accident. They may claim that a payment was missed or late. Our lawyers have a comprehensive understanding of North Carolina insurance law. We can often force insurance companies to cover claims, even when they claim an insurance policy was not in effect.

Our lawyers have extensive experience representing the interests of insureds in insurance coverage disputes. We understand how to interpret the language in insurance contracts and how to interpret the meaning commonly applied to specific statements of coverage. We have had significant success in resolving insurance coverage disputes with relation to professional liability policies, corporate officer and director policies, umbrella policies, and home and auto policies. Often we can settle coverages issues short of litigation. However, when insurance litigation is necessary, we have the experience and resources necessary to effectively represent our clients in the courtroom.

Contact our Experienced Raleigh Insurance Lawyers

If you are involved in an insurance coverage dispute with an insurance company or insurance agent, please contact the lawyers at Smyth & Cioffi, LLP. Our attorneys can be contacted by phone at 919.782.2000, by e-mail, or by filling out the intake form on our Contact Us page.