Insurance Claims Lawyer in Michigan
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Whenever you talk about making a claim with an insurance company to cover damage that happened to your property, you are essentially talking about contracts more broadly. After all, insurance policies are just very complex contracts that also involve a variety of state law considerations. This is why you should consult with an experienced and knowledgable insurance claims attorney before resolving your claim in certain cases. It can benefit you tremendously to have an ally in your corner that understands contracts, insurance law and the insurance investigation process. Call Sawan & Sawan today at 419-900-0955 for a free consultation if you are making a property damage claim with your insurance company.
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Insurance Law in Michigan
The insurance claims process can be quite frustrating. It starts with you going through a difficult experience when your property has been damaged or you’ve otherwised suffered a significant loss and its the exact reason you have insurance in the first place. Come to find out, the claim isn’t covered or you’re not getting the response you thought from the insurance company. Maybe you’ve had some interaction with your insurance company and the claim hasn’t been accepted or paid in a reasonable time-frame and you’re starting to wonder if you should conduct a lawyer. In some cases, we hear from clients who have been fighting with their insurance company or being investigated and just need help getting through the process. Whatever has happened in your case, we encourage you to call us so we can benefit from knowing the facts. In general, insurance companies can be difficult to deal with and don’t always cover losses that they should. Often times, the insurance company will utilize all of its available time (up until the Statute of limitations) to conduct a major investigation before even making a claims decision at all. Here’s a broad overview of how the process typically goes when you submit a claim to an insurance company and they decide to conduct an insurance investigation.
Examination Under Oath
Examinations Under Oath in Michigan
A common part of an insurance investigation involves an examination under oath or EUO. Most the insurance policies out there give the insurance company a broad set of rights to conduct a thorough investigation before even making any coverage decision at all. Examinations Under Oath are meetings that the insurance company has the right to call where the insured is required to answer questions under oath. We strongly advise anyone undergoing an EUO to contact an insurance lawyer. The questions at an EUO generally will be part of the investigation but can be a bit wide ranging as they are designed to help the insurance company determine if they will cover you or not. A typical line of questioning involves financial conditions and the circumstances that gave rise to the loss of your property.
Dennis P. Sawan
Licensed in Ohio and Georgia
Christopher A. Sawan
Licensed in Ohio and Michigan
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