Charleston West Virginia Insurance Defense Attorney, WV Lawyer

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Frequently Asked Questions about Insurance Law

Q: How do I file a claim with my insurance company?

A: The first thing to do is to read your written contract with your insurance company. If you do not have a paper copy, contact your insurance company and request a current copy. The process for filing a claim should be included in the terms of your insurance contract. If you have any questions, check your insurance company's website, contact your local insurance company representative, or call your insurance company's customer service number. Overall, read and become familiar with your policy. As an insured, you are responsible for reading the fine print and understanding the terms of your insurance policy.

Q: What is uninsured motorist coverage?

A: Uninsured motorist coverage provides benefits to an insured individual for any personal injuries suffered in an accident where the party at fault does not have insurance. These benefits are only paid to an insured individual if he or she is legally entitled to recover or the driver at fault is unknown, as in a hit-and-run accident. This type of insurance is typically required by state statute.

If you are planning on filing a claim with your insurance company make sure you are aware and familiar with the requirements of your insurance company and read the terms of your insurance contract. Failure to understand and comply with filing guidelines can result in an otherwise valid claim being denied. If you have any questions on how to file a claim contact an insurance law attorney today to discuss your case.

West Virginia Insurance Law Attorneys

The West Virginia law firm of Pullin, Fowler, Flanagan, Brown & Poe, PLLC is dedicated to serving the needs of insurance carriers and their insured clients. The firm's clients include such industry leaders as American Insurance Group (AIG), Travelers Insurance Group, State Farm Mutual Automobile Insurance Company, State Farm Fire & Casualty Insurance Company, Zurich, Safeco Insurance Companies, Westfield Insurance Company, Crum & Forster, Nautilus, CNA, The Chubb Group, and Hartford Insurance Group.

The following provides general information about insurance law. For specific information about the law firm's practice, see their insurance law or coverage opinions pages.

For more information, contact a Pullin, Fowler, Flanagan, Brown & Poe, PLLC insurance law attorney.

The insurance law lawyers at Pullin, Fowler, Flanagan, Brown & Poe, PLLC serve clients throughout West Virginia, including Charleston, Beckley, Morgantown, and Parkersburg.

Insurance Law - An Overview

Most people have at least some type of insurance, such as auto, health, life, home, disability, fire/casualty, renters, title, marine or long-term care insurance. Businesses and professionals often also take out insurance policies, including small business, liability and workers' compensation insurance. Insurance law primarily involves issues arising out of a contract between the insurance company and the insured party. Generally, an insurance contract distributes some type of risk among a substantial number of members through an insurer, typically an insurance company. If you are facing insurance law issues or have questions about an insurance policy claim or related coverage matters, contact our firm to schedule a consultation with an attorney.

Filing Claims with Your Insurance Company

Typically, an insurance policy includes specific requirements that insured individuals must follow to receive any proceeds from their insurance policies. Many people never read their insurance policies, only to be surprised later to find out they did not follow the required procedure to file a valid claim or that their coverage was not as comprehensive as they thought.

Uninsured and Underinsured Motorist Coverage

Uninsured and underinsured motorist coverage was created to address the problem of drivers with inadequate motor vehicle liability insurance and the subsequent concern of an individual to receive full compensation for a personal injury received in a car accident. Uninsured and underinsured coverage protect insured parties when they are injured by other drivers who do not have insurance or whose insurance is insufficient to cover the cost of the injuries.

Insurance Information Center