Insurance Coverage Information

Birmingham, Alabama Insurance Coverage Attorneys

Insurance companies are for profit companies that answer to shareholders and investors. As a result, most implement cost-reduction programs to encourage managers and claims adjusters to "save" money by reducing claim payouts. As a result, insurance companies and their claims adjusters have an incentive to contest coverage where they believe a loss isn't covered under a policy's terms. At the law office of Gulas & Stuckey, we represent policy holders in cases involving disputes with insurance companies. Our lawyers review the terms and conditions of an insurance policy to determine what is covered, what policy limits are involved, and whether the actions of an insurer constitute insurance bad faith practices.

If you have questions regarding a denial of coverage or whether you're covered under your policy, contact insurance coverage attorneys at Gulas & Stuckey today.

Auto Insurance Information - Uninsured and Underinsured Coverage

Unless you have the most basic form of auto insurance, your policy should cover losses involving accidents caused by uninsured / underinsured drivers. Typically, uninsured / underinsured coverage reimburses policyholders for outstanding losses after collecting compensation from the at fault driver.

For example, assume the terms of your policy covers up to $50,000 in damages caused by an uninsured / underinsured driver. Assume an underinsured driver hits you, causing $40,000 in medical expenses and damage to your car. If the driver's insurance can only pay $20,000, you should be covered for the remaining $20,000 under the terms of your policy.

In some cases, however, an insurer may attempt to dispute or deny coverage by claiming you were at fault. Here, it may be necessary to hire an attorney who can work with accident investigators and eyewitness testimony to establish who was at fault and demand full payment under the terms of an insurance policy.

Homeowner's Insurance, Businesses, and Coverage Disputes Information

Insurance companies have to play the "law of large numbers" when insuring numerous people for the same kind of coverage. Working on the assumption that only a few losses will occur on any given line of coverage, insurance companies aren't always prepared for large hail storms, hurricanes, fires, and other events that result in multiple losses on single lines of coverage.

And, even though insurers have excess of loss and quota share reinsurance coverage to offset these kinds of losses, it's not uncommon for policyholders to encounter difficulties when trying to collect on losses under a homeowner's or business owner's policy. Our lawyers are prepared to work with investigators and representatives from the State's Attorney General Office to ensure our clients are compensated fairly and in a timely fashion.

Contact Insurance Coverage Attorneys at Gulas & Stuckey Today

If you have encountered difficulties in collecting on a loss covered under your insurance policy, contact insurance coverage attorneys at the law office of Gulas & Stuckey today. We can review your policy and determine if you have ground for filing a lawsuit against an insurer who may be guilty of bad faith insurance practices.