What is Your Insurance Company's Agenda?

Nationwide is NOT on your side; You are NOT in good hands with Allstate; and State Farm is NOT there like your good neighbor. Most people don't know that insurance companies sometimes intentionally deny and underpay insurance claims as part of their standard business model. The practice has been well documented. In "From Good Hands to Boxing Gloves – the Dark Side of Insurance," author David Bernardinelli describes how every major insurance company—following the advice of high-powered New York consulting firm McKinsey & Co.—makes it routine practice to deny and underpay legitimate insurance claims in order to increase their profits. The insurance companies frequently bank on you doing nothing, and hire high powered lawyers and lobbyists to advance their agenda. Insurance companies have spent millions creating propaganda to convince the general public that there are too many frivolous lawsuits and that the filing of lawsuits is bad. What they don't tell you is that it is your constitutional right to file suit when your insurance company refuses to honor its contractual rights, cheats you, or engages in other acts of bad faith. When insurance companies engage in these practices they are hoping to negotiate with you directly, and without skilled legal advice. Bad idea.

There is nothing wrong with hiring skilled counsel to enforce your rights – the insurance companies do it every day, on every case, and have skilled negotiators evaluating your claims. Unfortunately for consumers, and to the advantage of insurance company's bank accounts, only a very small percentage of people who are cheated by insurance companies actually file suit. The insurance industry knows this and banks on it. The amount of money they save on the customers whom they cheat is far more than the damages they have to pay to those who file suit. By convincing the public not to sue them, they make money. Don't let them get away with improperly underpaying or denying your valid claim. You have paid premiums for many years. And no insurance company would allow you to forget to write them the premium checks they expect to receive from you.

Best of all: getting good advice and fighting them costs you nothing. Most people are reluctant to call a lawyer, be confrontational, file a lawsuit, or fight. Many people wrongly believe it will be too expensive to fight an insurance company. In most instances, they are correct – you cannot and should not fight alone. You need to level the playing field – which is what Daly & Black, P.C. does - at zero cost to you. Because of the way we handle cases, you don't need any money. Not up front, not later, not ever. We don't get paid until you get paid, and we demand that the insurance company foot the bill for our services – which is what the law requires in many states. Our firm is selective, and handles only valid complaints – but if you have a claim that you want to discuss with one of our skilled attorneys, please email Rick Daly or John Scott Black, and you will receive a response the same day. We are passionate about what we do, sincerely want to help you, and genuinely believe that no person or business should negotiate or fight insurance companies without skilled and aggressive counsel.