Disability Insurance

Being able to adequately provide for yourself and your family is of paramount importance to all responsible adults. When that ability is threatened due to injury or illness, disability insurance can help cover your expenses until (or if) you are able to get back on your feet. Individuals purchase disability insurance, whether short term or long term for this very reason. Unfortunately, even when policy holders pay their premiums faithfully and on time, some insurance companies will unfairly deny their claims. When this happens, individuals have a few options available to them. They can contest the denial. If that doesn’t work, filing a lawsuit may be the next best step. If you or a loved one believes that bringing a suit against the insurance company is your best chance of getting the denial overturned or settled favorably, our Los Angeles law firm may be able to help.

Helping You Recover The Financial Compensation You Need And Deserve

Many professionals purchase disability insurance with the belief that their financial interests will be protected in case the unthinkable occurs, they are injured so grievously or develop an illness so crippling, that work becomes impossible. When the aforementioned does occur and an individual files a claim that is unfairly denied, this is an egregious injustice. Suddenly, the monies they were depending on to take care of themselves and their family aren’t available. As a result, not only is the individual forced to deal with an untimely injury or sickness, but their income is totally and suddenly wiped out. If the aforementioned describes your experience, please give us a call today. Our firm will work to successfully resolve your bad faith insurance claim.

Insurance Companies Only Care About Their Bottom Lines

Though insurance companies happily accept your premium payments every month, they aren’t nearly as happy to pay out monies for claims, even legitimate ones. Some companies work extremely hard to find any reason, valid or otherwise, to turn down your claim or even rescind your policy. They may resort to searching for pre-existing conditions or looking for “mistakes” in your application to disqualify you from receiving the money you deserve. Secretly following you around, in an effort to prove fraud is another tool some unscrupulous, insurance companies use in an effort to avoid paying out your claim. In order to defend yourself against such insurance companies, it is necessary to have a skilled and professional team of your own working for your interests. Our firm can provide exactly that.

Insurance Coverage

Timothy D. McGonigle has over the years successfully established policyholders’ rights to insurance benefits in many complex insurance disputes. In many of those cases Mr. McGonigle has persuaded the Court that the insurance company’s denial of all insurance benefits to the policyholder was unreasonable and wrong. For example, in the Court of Appeal decision of Thompson v. Fireman’s Fund Insurance Company, a case of first impression in California regarding an insurance company’s obligation to cover mold damage, Timothy D. Mcgonigle established that the mold exclusion in the Fireman’s Fund policy did not prohibit coverage for all resulting damages caused by defective workmanship to the policyholder’s roof which resulted in water and mold damage.

The Court of Appeal decision can be accessed at this link: Thompson v. Fireman’s Fund Insurance

Business Interruption

California has adopted policies to close nonessential businesses in order to “flatten the curve” on the spread of COVID-19. This has forced many businesses to close, causing loss of income, loss of income, mortgage payments, and other damages. Many carriers are taking the position that business owners’ policies do not cover coronavirus. The Coronavirus Task Force is investigating whether carriers wrongfully denied COVID-19 business interruption claims. Contact us for a free consultation.

“McGonigle Law fights hard for your best interests. Bottom line is, I trust them. That is the highest praise I can give.“

Gene S.

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