Insurance Dispute Lawyer

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When you pay into an insurance policy, you do so with the expectation that it will be honored if you ever need to file a claim. Unfortunately, it doesn’t always work that way. If you are dealing with the aftermath of an injury, you are already facing overwhelming medical bills, missing work, and losing pay. The last thing you need is another battle. 

At Jensen Personal Injury Law, we are familiar with how insurance companies operate, and they’re familiar with how we operate. During his career, Bob has built a reputation as an expert litigator who will fight for his clients. If you’re tired of being bullied by the insurance companies, it’s time to get one of Reno’s best in your corner. 

There is NO FEE unless WE WIN!

Why You Need an Insurance Dispute Lawyer

Insurance companies are not on your side. They prefer not to pay because they lose money on the deal. Even though you may be rightfully entitled to compensation for your losses, the insurance companies could deny, ignore, or undervalue your claim. When the insurance company won’t budge, our firm provides the legal help for insurance disputes you need to settle the issue fairly.  

Jensen Personal Injury Law has a long history with insurance companies. As a young lawyer, Bob cut his teeth working as an insurance defense lawyer. Now, with decades of experience under his belt, Bob is working for the people. This unique experience and expertise give Jensen Personal Injury Law an advantage in settling insurance disputes, and it makes our firm a dependable choice for fighting the insurance company. 

You don’t have to fight the battle alone. Reach out to an insurance dispute lawyer today.

Services of Your Reno Insurance Dispute Lawyer

Delayed Settlements

Intentionally dragging out the investigation or payment process, leaving you to deal with mounting bills alone. 

Denied Claims

Refusing payment when the policy covers the loss and the insurer has no valid reason to deny it.

Lowball Settlements

Pressuring you to accept an unfair amount that doesn’t cover your true losses. 

Policy Misrepresentation

Twisting policy language or giving incomplete explanations to avoid paying benefits. 

Refusal to Pay

Simply declining to honor the financial obligation they agreed to when you bought the policy. 

Other Disputes

Engaging in any other unfair or deceptive tactics to delay, reduce, or deny your rightful benefits.

The Duty of Good Faith and Fair Dealing

In Nevada, insurance companies have a legal duty to act in good faith and fair dealing toward policyholders. This means they must treat you fairly, especially when you need coverage most. When an insurer violates this fundamental duty, it moves beyond a simple contractual disagreement and becomes bad faith, opening the door to a powerful lawsuit.

We Handle All Major Policy Disputes 

If an accident led to your injury and the insurance company is delaying, denying, or otherwise obstructing your claim, an insurance dispute lawyer can help you fight for your rights. We are familiar with the laws governing your policy and the tactics adjusters use to deny coverage. We can help with disputes involving: 

- Auto Insurance Claims: Uninsured (UM) / Underinsured (UIM) motorist coverage, liability disputes, and medical payments coverage disagreements. 
- Homeowners Insurance: Disputes over property damage, fire claims, or liability coverage after a visitor is injured on your property. 
- Health Insurance Claims for Individual Health Insurance Policies: Wrongful denial for necessary medical care, treatment pre-approvals, or coverage for long-term care.  Please note we do not handle cases related to employer sponsored health plans, Medicare, or Medicaid.
- Disability Insurance: Fighting denials for long-term or short-term disability benefits when you cannot work. 
- Life Insurance Claims: Disputing a denial based on vague exclusions or application details. 
- Business/Commercial Insurance: Issues with business interruption coverage or general liability defense.

Types of Wrongful Conduct We Challenge 

Insurance companies can go against their policyholders’ best interests in several ways. If you have experienced any of the following scenarios, it may be time to contact an insurance dispute lawyer. 

Delayed Settlements: When prompt payment for your loss is ignored. 
Inadequate Compensation: When the payout offered does not match the severity of your loss. 
Policy Interpretation Disagreements: When the insurer argues that a clear covered event falls under a questionable exclusion. 
Agent/Broker Errors: Mistakes made by the person who sold you the policy that result in a current coverage gap.

The Insurance Dispute Lawyer’s Legal Timeline

Between hospital bills, lifestyle adjustments, and dealing with the insurance company, the whirlwind after an accident is often filled with confusion. We believe that when you work with a lawyer, the confusion should end. To help you better understand the process and next steps, we have outlined the Jensen Personal Injury Law case process below.

Step One: Review and Gather Evidence

If you suspect unfair treatment, do not sign anything or give recorded statements without counsel. Your first step should be to collect every document: your full policy, all correspondence, the official denial letter, and all medical records detailing your injury and financial impact. This evidence forms the foundation of your case. 

Step Two: The Formal Legal Appeal 

Once we review your file, we will guide you through any required initial appeals. This often involves sending a formal, legally precise demand letter to the insurance company. We handle this technical step, which shows the insurer that you have serious legal representation, compelling them to reconsider their position. 

Step Three: Investigation and Filing a Lawsuit 

If the insurer remains unwilling to pay a fair amount, we are ready to take aggressive action. Bob is an expert litigator who is not afraid to go to trial. If the evidence shows the company breached its duty, we will investigate for signs of bad faith and file a lawsuit to hold them fully accountable. 

Why Clients Choose Jensen Personal Injury Law

You shouldn’t have to feel powerless or fear getting lowballed. When you are going through the stress of an injury and a claim denial, you need a legal partner who understands your personal struggle. At Jensen Personal Injury Law, our aggressive litigation approach changes the conversation immediately, helping you get the respect and fair compensation you deserve. 

Dealing with a major insurance corporation requires an advocate who is both skilled in litigation and deeply committed to your well-being. With a seasoned insurance dispute lawyer in your corner, the insurance adjusters know they are dealing with an experienced firm that is not afraid to go to trial.

Insider Knowledge and Decades of Experience 

Bob Jensen is recognized as an expert in personal injury law, having taught other attorneys and even written parts of the Nevada state personal injury law. His decades of experience, including his time defending insurance carriers, means he knows their internal playbook inside and out. This unique background makes him an incredibly effective insurance dispute lawyer for clients. We can help you avoid their common traps. 

A Personal Approach to Serious Disputes 

We are not a massive firm where clients get passed around. As a smaller, established Reno firm, we provide the personalized attention you deserve. You will work directly with an attorney who knows the facts of your case, offering the compassionate support you need while maintaining fierce advocacy. 

No Fee Unless We Win

Your fear of legal costs spiraling out of control is valid. That’s why we work on a contingency fee basis, meaning that there is NO FEE unless WE WIN! You have nothing to lose by consulting with us, and you gain an expert fighting for your financial stability. 

Local Credibility You Can Trust 

We are based here in Reno, NV. We have a proven local reputation that insurance companies respect because they know our history in Nevada courts. You get a Reno expert fighting for you, not an out-of-town firm learning the local landscape. 

Ready to Fight Back Against an Unfair Denial?  

Don’t let an insurance company manipulate complex rules to keep the money you paid for with your premiums. You have the right to fair compensation for your injury and losses.  Speak to a lawyer for insurance disputes today.

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Frequently Asked Questions About Insurance Disputes

Dealing with a denied or delayed insurance claim can make a difficult recovery feel impossible. At Jensen Personal Injury Law, we understand the frustration of being ignored by a company you have paid into for years. Our goal is to stand by your side and help you hold these corporations accountable. Below are answers to common questions about insurance disputes in Nevada.

Immediate Steps for Denied or Lowballed Claims

My insurance claim was denied. What should I do first?

Receiving a denial letter is upsetting, but it is not necessarily the final word. You should immediately gather all records related to your claim, including the policy itself and any letters from the insurer, and then contact an insurance dispute lawyer. Insurance policies are often filled with complex language, and having a lawyer review your denial can help you understand your rights under Nevada law.

Should I accept the first settlement offer the insurance company sends me?

You should be very cautious about accepting an early offer. Insurance adjusters are trained negotiators who often try to settle claims for as little as possible. Once you accept a settlement, you usually give up your right to ask for more money later. Speaking with a lawyer helps you understand the true value of your claim before you sign any paperwork.

What if the insurance company is ignoring my claim or stalling?

Nevada law establishes specific standards for insurance companies to respond to claims in a timely manner. Under Nevada Administrative Code 686A.675, an insurer is generally required to affirm or deny a claim within 30 days after receiving a properly executed proof of loss, or provide a written explanation if more time is needed. If they are silent or constantly asking for the same paperwork, they may be using delay tactics to pressure you into a lower settlement. A lawyer can help you advocate for your rights and evaluate whether the insurer’s actions may involve bad faith under Nevada law.

Navigating the Insurance Investigation & Costs

How do I handle an aggressive insurance adjuster?

It is important to remember that the insurance company is a business looking to save money. You should be polite but careful about what you say. If you feel pressured, you can have an attorney step in to manage communications on your behalf, allowing you to focus on your recovery. This prevents the adjuster from luring you into making statements that could hurt your case.

My insurer is demanding an "Examination Under Oath." Am I required to go?

Most Nevada policies have a clause requiring you to cooperate with investigations, which may include an Examination Under Oath (EUO). This is a formal interview recorded by a court reporter. Since these statements are taken under oath, you should have your own attorney present. Our goal is to help protect you from tactics that could put your coverage at risk.

How can I afford an insurance dispute lawyer if my claim was already denied?

Many people worry that hiring a lawyer will add to their financial burden, especially when they are already missing work. At Jensen Personal Injury Law, we work on a contingency fee basis. This means there is no fee unless we win your case. You do not have to pay anything upfront to get an expert litigator in your corner. This allows you to pursue justice and hold the insurance company accountable without any financial risk to your family.

Understanding Bad Faith and Legal Action

What does "Bad Faith" mean in Nevada insurance law?

In Nevada, insurance companies have a legal duty to act in good faith. Under Nevada law, insurers generally have a duty to act in good faith and deal with policyholders fairly. Bad faith occurs when a company acts unreasonably, such as denying a valid claim without a proper investigation or failing to pay out a settlement in a timely manner. Our attorneys draw on their previous experience in insurance defense to evaluate whether a company is acting in good faith.

What are some common examples of "Bad Faith" by an insurance company?

Bad faith is a pattern of unfair conduct that puts the company’s profits over your legitimate needs. Common examples include:

Denying a claim without a reasonable or clear explanation.
Misrepresenting the language of your policy to avoid paying for coverage.
Refusing to conduct a thorough or fair investigation into your accident.
Offering a “lowball” settlement that is far below the actual cost of your medical bills and lost wages.

Can I file a report against my insurance company?

Yes. You have the right to file a formal complaint with the Nevada Division of Insurance. It provides a resource for consumers to file a complaint if they believe an insurer is acting unfairly. While the Division of Insurance can investigate a company’s behavior, it cannot always force a company to pay you the full value of your claim. This is why many people choose to work with an insurance dispute lawyer to pursue a lawsuit for the money they are owed.

Working with Jensen Personal Injury Law

What is the difference between a Public Adjuster and an Insurance Dispute Lawyer?

A public adjuster can help estimate property damage, but they are not lawyers. They cannot file a lawsuit or represent you in court if the insurance company refuses to pay. Only a licensed attorney can take legal action, such as taking depositions of insurance experts, to prove that the company acted in bad faith.

How much does it cost to hire an insurance dispute lawyer?

At Jensen Personal Injury Law, we believe everyone deserves a fair fight regardless of their income. We work on a contingency fee basis, which means there is no fee unless we win your case. You do not have to worry about upfront costs or hourly bills while you are trying to get your life back on track.

Why should I choose a local Reno firm for my insurance dispute?

Hiring a lawyer who knows the local Reno courts and Nevada law gives you a significant advantage. Bob Jensen is a Board-Certified Personal Injury Specialist with over 40 years of experience. Because he and Cody Oldham both spent years working for insurance defense firms, they know the playbook that insurers use to deny claims. While every case is unique and results depend on specific facts, our reputation in the local courts is a key part of how we advocate for our clients.

Contact Us

info@jenseninjurylawyers.com | (775) 333-7555

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