We buy insurance in order to protect ourselves from loss. When something goes wrong we expect insurance companies to compensate us for any loss that occurred. We expect coverage for events such as fires, automobile accidents, disabling injuries, and natural disasters according to the policies that were purchased.
If you need a Kansas City Insurance Attorney, you have come to the right place. The Krause and Kinsman Law Firm hold insurance companies accountable for failing to provide coverage or defense specified in their insurance policies.
What types of claims does the Krause and Kinsman Law Firm Handle?
- Failure to pay valid disability claims, property damage claims, and business insurance claims
- Failure to defend against lawsuits
- Failure to settle within the state police limits
- Insurance agent or broker negligence
When does an insurance company have a duty to defend?
An insurance company has a duty to defend an insured when the insured is exposed to potential liability to pay based on the facts known at the outset of the case, no matter how unlikely it is that the insured will be found liable or whether the insured is ultimately found liable. The Renco Group., Inc. v. Certain Underwriters at Lloyd’s, London, 362 S.W.3d 472, 479 (Mo. App. E.D. 2012). “To extricate itself from a duty to defend the insured, the insurance company must prove that there is no possibility of coverage.” Marshall’s U.S. Auto Supply v. Maryland Cas. Co., 189 S.W.2d 529, 530 (Mo. 1945).
If the insurer refuses to defend on the ground that the claim against the insured is outside the coverage of the policy, the refusal will be justified if the claim actually is outside the policy coverage, and the insurer then is not guilty of any breach of contract and incurs no legal obligation. Marshall’s U.S. Auto Supply v. Maryland Cas. Co., 189 S.W.2d 529, 530 (Mo. 1945). However, if the claim is within the policy coverage and thus within the duty of the insurer to defend, refusal of the insurer to do so is unjustified and the insurer is guilty of breach of contract.
If you believe your insurance company isn’t acting fairly when should you call?
You should contact an attorney as soon as possible. The statute of limitations may bar your claim if you don’t contact an attorney within the allowable time period.
What should you do if the insurance company won’t cover your claim?
- Write down the agent’s name and contact information that way we can reach out to him
- Keep all notes and correspondence that you had with the insurance company
- Call the Krause and Kinsman Law Firm and we will help you with your claim denial
The Kansas City insurance bad faith lawyers from the Krause and Kinsman law firm will help you assert your rights against your insurance company. If your claim has been denied or if your insurance company has refused to defend you, call our law firm for a free case evaluation.
FREE CASE EVALUATION
NO FEES UNLESS WE RECOVER MONEY ON YOUR BEHALF