St. Louis Bad Faith Insurance Attorney – Fight Denied Claims Today
Battling insurance companies can be difficult. They have endless resources and can wear down their customers until they give up.
Has your auto insurance company refused to pay benefits under your uninsured or underinsured motorists’ coverage? Have you had a life insurance claim denied because the policyholder committed suicide? Did the insurance company refuse to pay double indemnity when your family member died in an accident?
Insurance companies will go to great lengths to protect their bottom line. As such, they routinely offer injured people less than their case is worth and deny valid claims if they can find a loophole.
This legal professional has shown exceptional competence and dedication in their field. I highly recommend their services to anyone seeking legal representation that is committed to unwavering advocacy and support throughout the entirety of their case.
I would describe this lawyer as highly educated, sharp, and top of his game. Explains the car accident process and treatment options well. The lawyer said if they don’t pay you, we will have the jury take it from the insurance company. Great lawyer. Dynamic person.
Interviewed all the TV car accident lawyers and decided to call this law firm that had great reviews. So happy I did. What a difference!
Response from the owner: TV car accident lawyers are just mass production. This is not a good fit for litigated cases. Paralegals instead of lawyers. Monthly quotas for settlements. Car accident victims end up in a cattle call with the lawyers on TV.
Love my car accident lawyer. This law firm is a step above.
Response from the owner: Our lawyers train and track the best approaches on cases. Whether litigation in cases or the practicalities of certain treatment, the growth of our lawyers over time is paramount. Always staying ahead of and setting practice trends. Thank you.
Serious family member have a car accident injury? Look no further. This litigator is for real. Always two steps ahead of the other lawyer.
Response from the owner: This is a sad reality for car accident lawyers. The #1 passenger in an auto accident is a relative. Helping a family make it through this and putting the family back together is one of the most rewarding things I do as an automobile accident attorney.
This lawyer handles really big accident cases in St Louis. He is a lawyer, accountant and has his masters in tax so he gets the injury cases for individuals that can never go back to work or individuals own a business and cannot run it due to injury. He specializes in valuations of massive loss. Thank goodness a firm like this exists.
Response from the owner: Thank you. When accident are severe and you lose the ability to work or to continue a business, having an accounting and tax background is key. Valuing large losses are second nature for us.
Asked a trauma surgeon who operates on car accident victims who are the best injury lawyers that have taken his deposition. He said “by far” it was Mr Hoffmann. Interviewed several attorneys and this was a correct assessment. In a league of his own!
Response from the owner: Our attorney have deposed nearly all the trauma surgeons at every Level 1 Trauma Center in Saint Louis. These doctors save lives after a car accident. Whether controlling bleeding or reestablishing blood flow or bone structures, they are life savers.
Few lawyers in St. Louis can handle the biggest injury cases! This is one of them!
Response from the owner: Our law firm has made great efforts in terms of training to handle life changing injury cases. Whether in depth knowledge of the medical, loss of income and earning capacity, or lifetime medical care plans, our clients feel confident and know their case is in good hands. Thank you for the compliment.
Cannot say enough about this lawyer. Call if in an accident. This attorney handles the biggest car accidents in St Louis.
Response from the owner: Thanks Ash! Our biggest source of cases is our clients. Our second biggest referral source is defense lawyers telling their relatives to call us. Few lawyers can handle the largest cases. Our law firm welcomes and has trained for this. We don’t do mass production settlement like the lawyers on TV. Our clients can never go back to work. Their cases need massive focus and effort and often long fought litigation.
So glad I called attorney Hoffmann. This time I got it right! So glad I hired the Hoffmann Law Firm - professional, reliable and available.
Response from the owner: Thanks Taylor. Our lawyers answer the phone day, night, weekends and even during lunch. Being professional means training to beat the best defense lawyers. Client rely on us to get results and we do.
Great lawyer. Cares about his clients, knows his stuff and goes the extra mile. I recommend this lawyer for car wreck injury claim. Every other lawyer on TV would not even help with my property claim. This attorney did.
Response from the owner: Thank you for the kind words. Every case starts with a great client. You are correct the car accident lawyers on TV are mass production settlement mills. When injury clients fire them, we get their files and the cases are not worked up at all. Appreciate your confidence in us!
Major car accident injury in St Louis area for a family member. Four different lawyers we know said the same thing - call Chris Hoffmann. On another level.
Response from the owner: This is such a great compliment. Most of our cases come from prior client or lawyers that also do car accidents cases but the particular case is too large or too difficult. Being a lawyer and an accountant, we specialize in cases with total lost of income, earning capacity and/or often the inability to continue a family business. Evaluations such as these are second nature for our lawyers. Thanks.
Best in St Louis for auto accident cases. Nobody else is even close.
Response from the owner: So kind of you to leave this review. Whether our lawyers are going after big insurance or their lawyers, skill and experience are essential and win the day for our auto accident clients. Thanks!
This attorney is very smart, very experienced, returns phone calls and knows the answers when asked. One call and I knew this was a great law firm for auto accidents.
Response from the owner: Our law firm appreciates this. This is a comment we get from so many people who call…”none of the lawyers we called told me all the things that you did.” Whether we take a car accident case or not, helping people is a good thing.
5 Star Lawyer for sure! Best you will find in Saint Louis.
Response from the owner: Thanks for the 5 Star Rating. Reviews like this are great. Injury victims quickly figure out the TV advertisers are not good. We work hard at being the best we can be and it reflects in our representation of car accident victims.
Watch this lawyer in action. Was way better than all the others. Get this lawyer for an automobile accident for sure.
Response from the owner: Thanks for the recommendation. Besides doing cases, our attorneys train for this. Hard work, case knowledge and technique is key to success in car accident litigation.
Very pleased with The Hoffmann Law Firm. Lawyers are attentive, friendly and go the distance to force the settlement you want. The TV lawyers recommend low offers. This law firm gets the maximum.
Response from the owner: We get calls from car accident victims that had to fire the TV lawyers that they hired. They give the same two reasons: 1) they never spoke to a lawyer at the Big TV law firms, only a paralegal, and 2) the paralegal recommended they accept a low offer. At our law firm, you only talk to the lawyer and if an offer is low we tell you to sue. Thanks!
Several lawyers said to call this lawyer because he is the best. You will appreciate this law firm. Helped with the injury and property claims. Attentive and knowledgeable. Great reputation in St Louis.
Response from the owner: Thanks Lexi. Our #1 source of cases is other lawyers referring us cases that are too big for them to handle.
Would use this accident law firm. Best in Saint Louis. Highly rated and it shows. After one phone call, you just know this attorney is better. 5 Stars!!
Response from the owner: Thanks for recommending our lawyers in St Louis. There is a major difference in lawyers as you well know.
Car accident lawyers on tv are not good . Get this attorney ! He is a pro !!
Response from the owner: Thanks Nathan. TV lawyers market for car accidents, use paralegals instead of lawyers and give their employees settlement quotas hence forcing cheap settlements. At our law firm, you get a lawyer who keeps pushing forward for more.
Quality lawyer. Best law firm for a car accident. Advice was way better than other lawyers I called in St. Louis. Helped with property and injury.
Response from the owner: Thanks. The TV lawyer advertisers are just car accident settlement mills. As soon as people call a real attorney, they always tell us how much better and more helpful we were. Appreciate this.
This lawyer is big time. Smooth. The other lawyers on the other side were not nearly as good as this attorney. I recommend friends in St Louis to him for accident injuries and they all say the same thing…”that lawyer is great.”
Response from the owner: Very nice of you to say. Our lawyers work hard on auto accident cases.
Family used this car accident attorney after a crash. Located in St Louis. This lawyer answers the phone and will walk you through the process. Knows his stuff!
Response from the owner: Taking calls, going over the car accident injury and property process is important. Clients that call always say we are the only lawyers that explained everything. Much appreciated.
Tried the lawyers on TV. They were not good. Hired this car accident lawyer instead because he had great reviews. The reviews are correct. This attorney is as good as they get. He does big injury cases that need to be litigated.
Response from the owner: Car accident lawyers on TV do not litigate cases. It is mass production. They have quotas. Local attorneys are best on auto accidents.
Used this attorney for an auto accident. Highly recommend this lawyer in St. Louis. Communicates well.
Response from the owner: Communicating with clients is essential. Taking the client though the car accident claims process is important otherwise major mistakes can occur. It is an effort that we make. Thanks!
Fantastic law firm, I would recommend! Received free consultation related to an auto accident when my parked car was damaged by a baseball. Very supportive advice, these guys are good!
I was in a car accident in St.Louis and hired Chris as my lawyer. He was amazing!!! He helped me every step of the way and was able to get me a great settlement!!!Highly, highly, highly recommend him!
Response from the owner: Each step is important in a car accident. Thanks for recommending us for car accidents injury claims.
Insurance companies are legally required to pay financial recovery on all valid claims and do so in a reasonable amount of time. You have a right to expect the insurance company to act in good faith and pay your claim after an accident. Unfortunately, this does not always happen. Insurance companies are incentivized to deny claims or minimize payouts to increase their bottom line. This leaves accident victims with few options and hefty costs that they cannot afford. The insurance companies assume that many people will never dispute the claim denial, and many do not.
Understanding Car Insurance Policy Exclusions
Insurance companies purposefully exclude certain types of losses from coverage when they draft policies. Losses that are not covered by the policy are called exclusions. Often, policyholders are unaware of the exclusions until they try to bring a claim, and the insurance company denies the claim. For example, a spouse may bring a life insurance policy claim after the death of a husband or wife only to have the insurance company cite a policy exclusion for failing to disclose a medical condition when denying payment on the policy.
Many people don’t know that some exclusions in insurance policies are illegal and cannot be enforced by the insurance company. For instance, in Missouri, insurance companies cannot enforce a provision that excludes death by suicide unless the person bought the policy in anticipation or contemplation of suicide.
In this case, the insurance company can be forced to honor its policy. If the company acted in bad faith, we can also pursue punitive damages and attorney fees.
Failure to pay on a life insurance claim based on a technicality or policy exclusion
Denial of auto insurance benefits for injuries and damages in a car accident with an uninsured or underinsured driver
Refusal to pay valid claims under medical payments (med-pay) coverage, health insurance, homeowner’s insurance, or fire insurance
The extent of coverage or the interpretation of policy language.
Experienced Bad Faith Insurance Lawyer
Attorney Chris Hoffmann has significant experience handling insurance companies that act in bad faith and wrongfully deny claims. Speak to a lawyer at our firm today about whether your insurance company denied your claim without proper justification or is causing an undue delay in your payout.
FAQs about Bad Faith Insurance Claims
What is a Bad Faith Insurance Claim?
A bad faith insurance claim arises when an insurance company unreasonably denies or delays payment of a valid claim. Insurance companies are legally required to act in good faith and handle claims promptly. Examples of bad faith actions include refusing to pay a claim without a reasonable basis, underpaying a claim, or misinterpreting policy language to deny benefits.
How Do I Know If My Insurance Company Is Acting in Bad Faith?
Signs that your insurance company may be acting in bad faith include:
Unreasonably delaying the processing or payment of your claim.
Denying your claim without a valid reason.
Offering less than your claim is worth without proper justification.
Failing to communicate adequately about the status of your claim.
What Should I Do If My Insurance Claim Is Denied?
If your insurance claim is denied:
Review your policy and the denial letter to understand the reason for the denial.
Gather all documentation related to your claim, including correspondence and medical records.
Contact an experienced bad-faith insurance attorney who can assess your case and advise on the best action.
Can I Sue My Insurance Company for Denying My Claim?
If your insurance company denies a valid claim without a reasonable basis or engages in deceptive practices, you may have grounds to file a lawsuit for bad faith. In such cases, you can pursue compensation beyond the original claim, including punitive damages and attorney fees.
What Is a Policy Exclusion?
A policy exclusion refers to specific losses an insurance policy does not cover. Common exclusions include pre-existing conditions for health insurance, intentional self-harm for life insurance, or excluded drivers for auto insurance. However, some exclusions may be illegal or unenforceable. Reviewing your policy or consulting an attorney if your claim is denied due to an exclusion is important.
How Long Does It Take to Resolve a Bad Faith Insurance Claim?
The timeline for resolving a bad faith insurance claim varies based on the case’s complexity and the insurance company’s willingness to settle. Some cases may settle in a few months, while others could take over a year, especially if litigation is involved.
Can I Get Additional Compensation for Bad Faith Insurance Claims?
Yes, if your insurance company is found to have acted in bad faith, you may be entitled to additional compensation beyond your original claim. This could include punitive damages, interest on delayed payments, and attorney fees.
Do I Need an Attorney for a Bad Faith Insurance Claim?
It’s highly advisable to consult with an experienced bad-faith insurance attorney. An attorney can help you understand your rights, navigate complex legal issues, and maximize your chances of securing fair compensation.
St. Louis Auto Insurance Attorney Near Me
When dealing with the aftermath of an auto accident or facing issues with your auto insurance claim, having a knowledgeable auto insurance attorney near you can make all the difference. At The Hoffmann Law Firm, L.L.C., we pride ourselves on being the go-to auto insurance attorneys for St. Louis and the surrounding areas.
Why Choose a Local St. Louis Auto Insurance Attorney?
Familiarity with Local Laws: Missouri has specific laws governing auto insurance and accident claims. A local St. Louis auto insurance attorney will have in-depth knowledge of these regulations, ensuring your case is handled correctly.
Accessibility: When you choose an auto insurance attorney near you, you benefit from easier communication and face-to-face meetings when needed. This proximity can be crucial in building a strong attorney-client relationship.
Local Court Experience: A St. Louis-based auto insurance attorney will be familiar with local courts, judges, and opposing counsel, which can be advantageous in negotiations and trials.
Understanding of Local Insurance Practices: Our attorneys are well-versed in the tactics used by local insurance companies, allowing us to anticipate and counter their strategies effectively.
How Our St. Louis Auto Insurance Attorneys Can Help You
As your local auto insurance attorneys, we offer comprehensive legal services, including:
Evaluating your auto insurance policy to ensure you’re receiving all entitled benefits
Negotiating with insurance companies on your behalf
Representing you in court if your case goes to trial
Handling bad faith insurance claims against auto insurance companies
Assisting with uninsured and underinsured motorist claims
Advising on property damage claims related to auto accidents
Finding the Right Auto Insurance Attorney Near You
When searching for an “auto insurance attorney near me” in St. Louis, consider the following:
Experience handling auto insurance claims and disputes
At The Hoffmann Law Firm, L.L.C., we meet all these criteria and more. Our auto insurance attorneys have over 25 years of experience and are dedicated to serving the St. Louis community and ensuring our clients receive fair treatment from their insurance providers.
Don’t hesitate to reach out if your insurance carrier is unfair or unreasonable. Contact Chris Hoffmann and our team of skilled auto insurance attorneys today. Remember, when you’re looking for an “auto insurance attorney near me” in St. Louis, The Hoffmann Law Firm, L.L.C. is here to help. We’re committed to fighting for your rights and securing the compensation you deserve.
Call us at (314) 361-4242 to schedule a free consultation with a St. Louis auto insurance attorney near you. Let us put our local knowledge, experience, and dedication to work for you.
Why Choose Us vs TV Lawyers?
Direct Attorney Access
Maximum Settlement Focus
Trial-Ready Cases
Paralegal Handling
Quick Settlement Push
Settlement-Only Focus
Free Consultation with a St. Louis Car Accident Lawyer
Don’t talk to an insurance claims adjuster before speaking with The Hoffmann Law Firm, L.L.C. We can help you avoid making statements that may affect the outcome of your case. The consultation is free; you don’t pay unless we get you money!
