Quick Facts About Encompass Insurance
Encompass Insurance is an insurance company based out of Northbrook, Illinois. The company that would eventually become Encompass was founded in 1897, and it officially became known as the Encompass Insurance Company in the nineteen nineties. Encompass offers a wide variety of insurance products including automobile, homeowners, business, and personal umbrella insurance coverage. The company has over six thousand insurance agents operating in forty two states.
Auto Accident Victims May Be Entitled To Compensation From Encompass Insurance
Car accidents are a common occurrence in Minnesota. According to data collected by the Minnesota Department of Public Safety, nearly 30,000 people involved in car crashes are injured each year in the state of Minnesota. For most of these accident victims, the result is that they face extensive damages. Aside from the physical pain and suffering incurred, often they are subjected to staggering medical bills along with lost wages from work.
Typically the auto accident victim will be able to collect compensation by way of their own auto insurance provider or via the other motorist’s insurance company. Sadly, however, the large insurance companies do not always abide by the maximum amount of compensation that the victim is due. Many times, valid claims are incorrectly denied by Encompass Insurance as well as other insurers.
If Encompass Insurance denied your insurance claim, what are your options? The most important thing to be aware of is that you have legal options at your disposal. You should not automatically assume that your claim is worthless. Contact an experienced Minneapolis car accident attorney who is well-versed in dealing with Encompass Insurance claim denials.
What’s The Difference Between A First And Third Party Claim?
There are two major types of insurance claims: first party claims and third party claims. An example of a first party claim would be if you are an Encompass Insurance customer and you are attempting to bring a claim against your own auto insurance policy with Encompass Insurance. In contrast, an example of a third party claim would be if you attempt to bring a claim against the auto insurance policy of the other motorist who is insured by Encompass Insurance.
In some circumstances you will need to seek a first party claim, while other circumstances necessitate a third party claim. Which type of claim to seek varies based on the specific facts involved in your case. Nonetheless, irrespective of whether you are an actual customer of Encompass Insurance, the company is required to deal with your case in an equitable fashion.
Encompass Insurance Must Act In Good Faith
Encompass Insurance is legally required to process both first party and third party insurance claims using good faith settlement procedures. They are not allowed to deny plainly legitimate claims and they also cannot use the potential to deny a claim unfairly as a negotiation strategy. There are many specific requirements that must be met by the insurance company. If your car accident was dealt with unjustly, then you may be an Encompass Insurance victim of bad faith.
Bad faith insurance victims qualify for compensation equal to the entire value of their damages. In addition to the original claim value, they may be granted further monetary aid. Here are some indications that could demonstrate Encompass Insurance to be processing your claim in bad faith:
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- Failure to communicate properly
- Excessive delays
- Failure to include relevant facts
- Inaccurate characterization of the insurance policy
- Not fully examining your claim
- Unfairly refusing coverage
- Excessive requirements for paperwork
- Failure to fully compensate the claim
What Can Our Award Winning Auto Accident Lawyers Do To Help?
Inspect Your Denial Letter
You likely received an official denial letter from Encompass Insurance explaining why they denied your claim. It’s important to review the factors which lead the insurance company to reach their determination. Once you have received your denial letter, it’s important to show it to an experienced lawyer. Your attorney will be able to assess the determining denials factors and advise you as to the best course of action.
File a Demand Letter
Your lawyer can prepare your demand letter in response to Encompass Insurance denying your car accident claim. Within your demand letter, your attorney will enumerate the circumstances of your case and include a request for financial compensation. Moreover, if your Minneapolis car accident lawyers suspect that Encompass Insurance is using bad faith settlement procedures, your attorney can explain that you are willing to bring a bad faith settlement claim against Encompass Insurance if the situation is not remedied.
The Appeals Process
If your insurance company has denied your claim, our award winning Minnesota car accident attorneys can file an appeal directly with Encompass Insurance. We will ensure that your paperwork is filed correctly and prepared in the most effective way possible. This will promote a speedy resolution for your claim.
Tough Negotiation
Oftentimes people mistakenly assume that they have no further options after receiving a denial later. Some believe that the only alternative left is to sue the insurance company. In reality, however, if you find yourself in this situation, there is a way to get Encompass Insurance to negotiate with you. Our MN car accident lawyers have extensive experience negotiating with insurance companies. We will aggressively advocate for your claim and strive to secure the maximum settlement possible for your insurance claim.
Bring an auto accident lawsuit for your injury
Most car accident injury claims end up being settled out of court. Still, some claims may require that the victim ultimately file a lawsuit against Encompass Insurance. In addition to the injury lawsuit, there is also the possibility that a bad faith insurance claim needs to be brought. Our car accident attorneys will explore every possible recourse for your insurance claim, including filing a lawsuit against Encompass Insurance.
If Encompass Insurance Has Denied Your Insurance Claim, What Are Your Options?
If you or a loved one have had your insurance claim denied, the personal injury attorneys at Tarshish Cody are available to assist you. Get the legal representation you deserve to move forward as quickly as possible! At Tarshish Cody we will fight your Encompass Insurance claim on your behalf to seek compensation for your injuries, pain and suffering, and financial loss which resulted from an accident.
For further questions about your denied Encompass Insurance claim, call Tarshish Cody’s personal injury attorneys at 952-361-5556 or fill out the free Case Evaluation Form.
