Insurance Dispute Lawyers
We Help You Get the Entitlements Owed To You
Sometimes a claim to your insurance company isn’t as successful as you might like. Maybe it’s rejected due to the fine print, or you receive less compensation than you believe you’re entitled to. And sometimes you might be waiting an unreasonably long time for a claim response. Each of these can be a shock and a hassle, particularly after dutifully paying your insurance premiums for years.
We understand your insurance dispute
At Denning Insurance Law, we’re experts at insurance dispute negotiations. We have the experience and skills to face down all kinds of insurers, big and small, on behalf of our clients, and to negotiate and dispute all types of insurance claims. From income protection through to indemnity advice, we’re here to help you access what you’re entitled to.
Our approach
At Denning Insurance Law, we understand that you’re a human being and not a case number. For us, it’s about finding an outcome that reflects the circumstances, where you get what you’re entitled to, so you can rebuild and recover.
How our process works
It can help to know what you’re likely to experience throughout the dispute claims process. We prioritise your privacy and your wellbeing throughout, so you can feel secure and listened to.
1. Initial 30-minute consultation.
Once you contact us, one of our team members will promptly get in touch to discuss your matter. Our initial consultation will take approximately 30 minutes and give you and us both an opportunity to talk through the issues and ask any questions.
2. Roadmap + Cost Agreement Disclosure
We will create a roadmap of your matter, laying out the personalised, tailored approach and strategies we’ll take to managing and settling your claim, including a timeline wherever possible.
3. Expert Advice and Representation
At this stage, we will obtain documentation from you that authorises us to act on your behalf, gather important evidence and speak to the related parties. We will manage your matter from that point on, relieving you of the headache and heartache of dealing with the stressors of your claims on a day-to-day basis.
When do you need an insurance lawyer?
You may need a lawyer to help you manage an insurance claim if:
- You are having a coverage dispute with your insurer.
- You are experiencing difficulty with getting all amounts paid under a policy.
- You are uncertain whether you have an entitlement to cover under your policy.
- You wish to challenge the decision of an insurer who has rejected your claim.
How Long Do I Have to Dispute A Claim Rejection or Payment?
Every contract will have its own provisions, but in general, it’s best to lodge a dispute right away and preferably, with the help of a lawyer. The sooner you are able to lodge your dispute, the sooner you will potentially be able to receive financial relief.
Of course, it isn’t always possible to lodge a dispute straight away, and there are some legal protections that may help you to dispute a claim decision even years after the event. Get in touch with our expert lawyers to find out when and how you can dispute a claim or claim rejection.
Types of Insurance Claims
We work with both individuals and businesses to rectify insurance disputes across a variety of claim types, including:
- Product and public liability
- Workers’ compensation
- Total permanent disability
- Income protection
- Business insurance
- Trauma insurance
- Death benefits insurance
- Sickness and accident insurance
- Professional indemnity
- Home insurance
- Contents insurance
- Directors & officers cover
- Material damage
What Do You Need to Dispute a Claim?
To dispute an insurer’s decision, you will likely need:
- Evidence and supporting documents, such as photos, receipts, reports and other background documentation;
- Claim outcome details;
- Policy schedule and policy wording;
- A timeline of events.
Our expert lawyers can help you obtain and understand the information required to ensure you’re in the best position possible to get the outcomes you deserve.
Why Choose Denning Insurance Law?
Denning Insurance Law lawyers are specialised insurance lawyers. Our experienced team is led by Kate Denning, our Principal Lawyer, who has over 20 years’ experience as a solicitor. Her experience in the insurance sector covers insurance dispute claims for businesses and individuals, taking on large insurers and dealing with complex claims. And because we never act for the insurers, you can be sure that our focus and loyalty will always be undivided.
We guarantee our guidance and support while we navigate the ins and outs of your specific insurance dispute. Our approach will be tailored to you, your claim and the outcomes that you need. With years in the insurance industry, you can be confident that we understand the outcomes you’re looking for and will continuously strive to achieve them.
Our Frequently Asked Questions for Insurance Claim Disputes
Disputing an insurance claim rejection or payment can be a confusing and daunting process.
That’s why we’ve developed the FAQ below: to help you get a deeper understanding of what steps to take next and how to move forward.
How do I know if I can dispute my insurance complaint?
The best way to find out if you can dispute your insurance issue is to have a consultation with one of our lawyers. They will be able to understand your situation and provide you with legal advice to guide the process of lodging your complaint.
Do I need evidence to dispute my insurance issues?
Once you have determined if your complaint can be disputed, you should seek to collate relevant evidence. Providing sufficient evidence to support your case will significantly strengthen your argument and increase the chances of a successful claim dispute.
Who deals with insurance complaints?
The Australian Financial Complaints Authority (AFCA) is responsible for dealing with general insurance complaints across various categories. You complain to the Australian Financial Complaints Authority online. It is advised to seek legal advice early on when lodging an insurance complaint to increase your chances of a successful outcome. If you have a claim related to international insurers, this process may be different: we will be able to advise you on what actions you’ll need to take in this instance.
Will dispute solicitors help me resolve my case?
It is recommended to go through a lawyer to formulate your dispute claim. Whether you are starting a new claim dispute or are seeking to take your case to court after what you deem an unfair AFCA decision, seeking legal advice during this process can increase your chances of receiving more compensation from your insurance company. At Denning Insurance Law, trust our team of experienced lawyers to work with you to help you resolve your case for good.
I'm not sure if I have the right insurance policy. Can you also help me with coverage advice?
As a part of our work as insurance claim lawyers, we often provide legal expertise to help our clients find the right insurance policy.
How much will I need to pay?
We provide full transparency in our pricing, with costs calculated according to our costs agreement; however, legal costs are often relatively low compared to the benefit our clients are seeking to recover under their insurance policy. In some circumstances, we may recommend that costs be sought from the insurer.
Can you help me with a claims dispute relating to business insurance or professional indemnity?
Absolutely – our insurance lawyers are experienced in dealing with insurance claims for both individuals and businesses alike, always acting with care and integrity.