 |
|
|
Automobile Insurance
There are two basic and types of insurance claims. When you make a claim against your own Insurance Company under a policy you have purchased, that is called a "first party" claim. When you make a claim against another person who is insured with an Insurance Company that is called a "third party" claim.
In the insurance world, you are the Insured, or first party; the Insurance Company is the second party; and a stranger to the insurance contract is the third party. While you are making a claim under your own automobile insurance policy, you are the first party.
There are several first party coverages that can be present in an automobile policy. Such coverages include Collision (for repair of damage to your car); Comprehensive (fire to or theft of your car); Uninsured Motorist/Underinsured Motorist Coverage (when you are hit by a driver or vehicle that does not have automobile liability insurance); or Medical Payments (coverage to reimburse you or pay for medical costs up to the limit of your medical pay benefits). The third party coverage that is available in an automobile liability policy is "liability coverage." That insures you against claims of damage or injury made against you by third parties. If you are refused first or third party coverage in an automobile accident where you and/or the other party are insured, you should be sure that any denial of coverage is correct and appropriate. To do that, you may need the advice of experienced counsel. We at AMMIRATO & PALUMBO, LLP are happy to provide such advice.
DISCLAIMER
The above information is general information only. It is not intended to be relied upon as legal advice in any particular case. Each personal injury or property damage case is specific to the individual and must be considered and evaluated on an individual basis. In order to retain the services of our firm, a written retainer agreement must be signed by both you and by a partner of our firm. Unless and until a written agreement is signed, there is no attorney-client relationship and you should not take anything on this site as advice in any personal injury matter or any other case in which you may be involved. If you have any further questions about your legal rights and remedies, please feel free to contact AMMIRATO & PALUMBO, LLP.
back to top
Disability Insurance
Insurance Companies now sell insurance coverage, generally called Disability Insurance, to protect persons from a loss of income caused by physical injuries resulting in temporary or permanent disabilities.
If you have been seriously injured, and believe you have coverage under a disability policy issued directly to you or through your employer and have been denied benefits, you should get the advice of counsel. The mere fact that an Insurance Company denies an insurance claim does not mean that it is doing so properly, justly, or correctly.
If you have any questions about a possible legal action arising out of the denial of Disability Insurance, please call AMMIRATO & PALUMBO, LLP.
DISCLAIMER
The above information is general information only. It is not intended to be relied upon as legal advice in any particular case. Each personal injury or property damage case is specific to the individual and must be considered and evaluated on an individual basis. In order to retain the services of our firm, a written retainer agreement must be signed by both you and by a partner of our firm. Unless and until a written agreement is signed, there is no attorney-client relationship and you should not take anything on this site as advice in any personal injury matter or any other case in which you may be involved. If you have any further questions about your legal rights and remedies, please feel free to contact AMMIRATO & PALUMBO, LLP.
back to top
Health/HMO Insurance
With Health Insurance claims, unless you have purchased an individual policy, you are usually a member of a group through your employer. Under certain circumstances, the Federal Statute known as ERISA (Employees' Retirement Income Security Act of 1974-29 U.S.C. §1001, et seq.) controls your legal claim.
Careful analysis and evaluation needs to be made by somebody experienced in insurance matters concerning whether an Insurance Company's denial and its basis for denial are correct and justified. Also, an analysis of the policy and surrounding circumstances must be made to determine whether the rights and remedies available to a person who has been denied health benefits is limited by the Federal Law called ERISA.
If you have questions about a possible medical insurance claim, please do not hesitate to contact AMMIRATO & PALUMBO, LLP.
DISCLAIMER
The above information is general information only. It is not intended to be relied upon as legal advice in any particular case. Each personal injury or property damage case is specific to the individual and must be considered and evaluated on an individual basis. In order to retain the services of our firm, a written retainer agreement must be signed by both you and by a partner of our firm. Unless and until a written agreement is signed, there is no attorney-client relationship and you should not take anything on this site as advice in any personal injury matter or any other case in which you may be involved. If you have any further questions about your legal rights and remedies, please feel free to contact AMMIRATO & PALUMBO, LLP.
back to top
Homeowner's Insurance
Homeowner's Insurance provides both first party and third party coverage. If your home is damaged as a result of a covered loss or event, you are entitled to collect benefits under your Homeowner's Policy to compensate you for repair costs and other losses you may have suffered as a result of the damage to your home.
The other type of benefit that flows from Homeowner's Insurance is to be protected against lawsuits by (1) suing you for an accident or injury that occurs on your premises, which are insured under a Homeowners' Policy. Like other insurance matters, these cases can be complicated, particularly the first party cases, and if there is a denial about which you have any question, you should contact AMMIRATO & PALUMBO, LLP to determine whether the denial and the basis for the denial is justified and correct.
In addition to covering you for accidents that occur on your homeowner's premises, Homeowners' Liability Policies also provides certain coverages for conduct you may commit away from your home that causes you to be the subject of a claim or lawsuit. The fact that an accident or injury you may have caused did not occur on your premises, does not mean that your Homeowners' Liability Policy will not provide you coverage. It may in fact provide you coverage even though the accident occurred away from home!
DISCLAIMER
The above information is general information only. It is not intended to be relied upon as legal advice in any particular case. Each personal injury or property damage case is specific to the individual and must be considered and evaluated on an individual basis. In order to retain the services of our firm, a written retainer agreement must be signed by both you and by a partner of our firm. Unless and until a written agreement is signed, there is no attorney-client relationship and you should not take anything on this site as advice in any personal injury matter or any other case in which you may be involved. If you have any further questions about your legal rights and remedies, please feel free to contact AMMIRATO & PALUMBO, LLP.
back to top
|
|
|
