Insurance Coverage

Once you secure life insurance or insure your property or business, you have every right to expect your insurance company to honor its commitment and provide you with the promised coverage. Unfortunately, this does not always occur, and you will need professional litigators to fight for you. We can help you or your business in this unsettling situation.

New Jersey law is favorable to those who purchase and pay for insurance. Unless your loss is excluded by the language of the policy, there may be coverage under the policy you purchased notwithstanding an insurer’s denial. If the policy is ambiguous, the court may find that you or your business is covered for the losses because the insurance policy should have been written clearer.

Furthermore, if you win, you may be able to recover your attorney’s fees under a special provision of the New Jersey Court Rules that allows insureds to recover attorney’s fees and costs of suit when they have to sue their insurer to obtain coverage and prevail.

Szaferman Lakind will match you with an insurance litigation attorney to walk you through the laws in New Jersey and provide you with a plan to help you fight for your right to coverage. If your insurance company denies you coverage, you will receive a denial letter which details the reasons that coverage has been denied.

The letter must clearly explain the reasons for the denial coverage. Our insurance law attorneys will review the denial letter and your policy, assess your claim and recommend an action plan If there a basis for claim.