Winthrop Law Group’s Consumer Protection Insurance Law Blog

Winthrop Law Group has been representing individuals and small businesses against insurance companies for over 16 years, and is committed to provide you with sufficient information and tools to evaluate your options when an insurance company has delayed, given you the run around, and/or outright denied your insurance claim. In that vein, I am happy to introduce the Winthrop Law Group Consumer Protection Insurance and Business Law Blog!

I am introducing this blog to provide a forum for anyone who has had difficulty in dealing with an insurer to do a little independent research, learn and understand more about insurance companies and claims, and provide information that will allow you to understand when you may need to retain an attorney to protect your rights against an insurance company’s violation (i.e., breach of its obligations) of its own insurance policy, its internal policies and procedures, and has unreasonably adjusted and/or denied your claim.

I trust that the information you learn here will be invaluable in your pursuit of your rights. And, as always, if you have any questions, feel free to pick up the phone and call an attorney at Winthrop Law Group, or click the Contact page and send me an email.

Sincerely,
Reid A. Winthrop

Insurance policies may seem unnecessary and expensive for a small business. However, these policies can be very beneficial if situations arise where the insurance coverage is necessary. To ensure that the insurance policy will be a benefit to your business, you should ensure that it has adequate coverage limits and covers events that may affect your particular business. An Orange County CA business attorney can review a policy and provide advice about how it applies to your business.

What should a small business insurance policy include?
What should be included in a small business insurance policy depends upon the type of business in which you are engaged and the extent of assets utilized by the business. In general, the insurance policy should cover anything that could cause liability for the business. Examples include:

  • Property damage
  • Errors and negligent acts of employees
  • Malpractice
  • Injuries to customers and visitors
  • Damage caused by weather and acts of God


If you lack insurance coverage or your policy does not address issues that arise in your business, then it could be financially difficult for your business if you are liable for certain expenses and losses. Insurance is especially important in the increasingly litigious world that we live in.

How can an attorney help?
An Orange County CA business attorney can review a policy to help you understand how the policy protects your business and whether there are any limitations. An attorney can work with your insurer to develop policy terms that are beneficial for your business. This will give you added peace of mind to know that the threat to your business is reduced.

An attorney can also help you enforce terms of your policy and require your insurer to provide the coverage they are supposed to provide.

At the Winthrop Law Group, we strive to help you address your business insurance needs. If you run a small business, then call Winthrop Law Group to learn more.

Insurance protection is an important element of anyone’s asset portfolio, including individuals who may think they have plenty of time to evaluate plans before making a decision. This can be a time-consuming process for many who are wanting to make sure they choose the perfect policy for them at the particular point in life. The truth is that there are many policies available on the market that have differing conditions. Many potential insurance customers also think an insurance policy will not fit into their personal budgets as well, but insurance is not exactly a luxury because we all know the inevitable will eventually happen. It is always better to be prepared throughout life. So, what is the best method of deciding on a plan? Sometimes the best place to start is discussing the available policies with an experienced Orange County insurance attorney like Winthrop Law Group. 

Term Life Insurance Policies 

Term life insurance policies typically work best for individuals in their senior years who purchase coverage late in life, but they can be excellent investment safety net instruments for millennial clients also. Term policy rates for younger individuals tend to be very affordable even if they do not accumulate cash value, and the policy payoff value in the event of an untimely death can be much more valuable. In addition, term life policies can also be included as fringe benefits of specific financial accounts or applied to a mortgage payoff scenario. Knowing how many ways a term life policy will be a real advantage can easily be achieved by discussing potential plans with a legal professional like attorney Reid Winthrop. Personal service is important to private practices, and it is always good to know who you can trust when a financial attorney is needed. 


Whole Life Insurance Policies 

Most millennials are primarily attracted to whole life insurance policies when all factors are considered. Whole life policies can also be purchased that will become paid in full at some point, and often they carry the potential for borrowing against the policy later down the road. Whole life policies are also much more suited as investment vehicles that allow the investor to protect their family with highly effective financial coverage that builds cash value along the way. The issue becomes finding the policy that works best for the individual investor with the best return on the invested premium. Attorney Reid Winthrop can help significantly in finding the right policy for the right person regardless of their stage in life and financial goals, which can result in more security with a solid life insurance investment strategy. 


Knowing the financial viability of an insurance company and its track record for paying benefits promptly without complication can be an important factor when selecting an insurance company to provide benefits for your family. Having a policy or group of polices evaluated before making a final decision can be important. All millenials in the Los Angeles area should contact Orange County insurance attorney Winthrop Law Group before purchasing insurance they will regret when it is actually needed.

If you have ever been the victim of an unfortunate accident and incident of any kind that resulted in the loss of property or injury, prompt resolution and payment of your insurance claims is expected. And, usually speaking, the larger insurance companies want to maintain a good rapport with you to keep you as a spokesperson and lifelong customer. However, when they may be paying a lot of money out of pocket, beyond their expectations, they might start giving you a hard time. They do this because at a certain point you have exceeded the allocated estimate of risk assessed to your case. Or, you may have claims which have some loopholes regarding them in the policy. And their staff attorneys won’t mind debating them if there is enough money at stake. 

The agents, themselves, may feel bad for you and want to accommodate you if it is some basic need like providing you with temporary housing after a fire. However, once you start going beyond “getting on your feet and paying off some debts from the property loss,” they may feel pressure to deny you. It is always best to take advantage of the immediate urgency of an event and to show that you are a victim. When you no longer appear to be a victim in the eyes of the insurance companies and a sufficient amount of time has passed, or you keep requesting more money and making them work, they can strike back with being high-handed and conditional with payment releases. 

When there is a misperception of your well-being and coverage, you need a Newport Beach CA insurance bad faith lawyer. Attorney Reid Winthrop of the Winthrop Law Group has been handling cases of delayed or denied “bad faith” insurance company practices for decades. As said, a “bad faith” insurance claim occurs when your legitimate claims are denied or delayed for any reason. As stated, this is usually some language in the policy that doesn’t make sense. Because an insurance policy is a contract, and contracts are strictly construed, the contract should comprehensively and expressly name the coverage and benefits available. 

The problem comes into play when you have something of special value that you did not request special coverage for like a painting or business documents. Because money is serious, the insurance companies will not be quick to payout on something after it is impossible to assess the real value. They can’t speculate what the full value may be and are inclined to provide the default minimum to hedge against fraud. Now, some insurance companies can be downright dirty, and obstruct you from payments even when there is no ambiguity and you have provided clear evidence that would compel any ordinary person. These cases are the strongest and the ones where hiring a Newport Beach CA insurance bad faith lawyer like Attorney Reid Winthrop would be wise. 

You should never try to deal with the bureaucracy of an insurance company on your own when they are denying or delaying payment on serious issues. This wanes their sympathy even further. If you contact the Winthrop Law Group, they can present your claims with objective certainty and hold the insurance companies in checkmate.

Winthrop Law Group’s Consumer Protection Insurance Law Blog

Winthrop Law Group has been representing individuals and small businesses against insurance companies for over 16 years, and is committed to provide you with sufficient information and tools to evaluate your options when an insurance company has delayed, given you the run around, and/or outright denied your insurance claim. In that vein, I am happy to introduce the Winthrop Law Group Consumer Protection Insurance and Business Law Blog!

I am introducing this blog to provide a forum for anyone who has had difficulty in dealing with an insurer to do a little independent research, learn and understand more about insurance companies and claims, and provide information that will allow you to understand when you may need to retain an attorney to protect your rights against an insurance company’s violation (i.e., breach of its obligations) of its own insurance policy, its internal policies and procedures, and has unreasonably adjusted and/or denied your claim.

I trust that the information you learn here will be invaluable in your pursuit of your rights. And, as always, if you have any questions, feel free to pick up the phone and call an attorney at Winthrop Law Group, or click the Contact page and send me an email.

Sincerely,
Reid A. Winthrop

If you have been injured in an accident, whether a car accident, on the premises of a business, by a neighbor, or otherwise, you have a right to recovery for damages caused by your no-fault accident.  What many people do not know is that while your right to recovery is technically against the injuring party, typically that party has insurance coverage for the accident.  In those situations, you are dealing with the injuring party’s insurance company, not the party themselves.  Thus, your personal injury claim is very similar to an insurance claim or dispute, and an experienced insurance attorney is often the best weapon in a personal injury claim.

 

Dealing with personal injury claims can be very frustrating and stressful, particularly when you are dealing with the injuring party’s insurance company. Insurance adjusters may be difficult to deal with and an offer may seem insufficient. Many people have dealt with insurance adjusters and settled claims without realizing the full amount that they could have recovered. Clams may also be wrongfully denied. Because of these issues, you should consult with A Newport Beach insurance attorney to ensure that your rights are protected.

Why is it important to contact an experienced attorney rather than trying to handle things on your own?

When an accident occurs, the first step is typically to file a claim with the injuring party’s insurance carrier.  At this point, you are dealing directly with an insurance adjuster, but not one for your insurance company, instead one that represents the injuring party’s (i.e., third party) interests.  The third party insurance adjuster has the goal to settle the claim for as little as possible to protect both their insured and the company. They have no duty to disclose important information about the policy, and in fact may not reveal such information unless you request it, and even then, may assert a right to confidentiality and refuse to reveal the requested information. Because insurance adjusters are experienced and know what they are doing, persons who lack experience working with them may fall victim to their tactics. An experienced Newport Beach insurance attorney understands the process, and one who is experienced in personal injury claims has an advantage knowing the tactics and how to negotiate with insurance adjusters to maximize your recovery.

What can an attorney do to help?

When you are represented by an attorney during an insurance claim, the attorney will work directly with the third party insurance adjusters to negotiate a fair settlement. An attorney will be able to obtain information related to the insurance policy, including the policy payment limits. By receiving this information, you will be able to make an informed decision about whether a settlement is fair.

In the event the insurance settlement claim is in adequate, an attorney will seek to increase the amount of the offer by articulating the reasons for higher payment. If a claim is denied, an attorney will be able to pursue the appeal process to request reconsideration of your claim. If negotiations are unsuccessful with an insurance claim, an attorney can pursue legal action through the court if necessary.

The legal team at Winthrop Law Group has experience representing clients in a variety of personal injury claims. They understand the tactics of insurance adjusters and know how to respond. If you have an personal injury claim, contact Winthrop Law Group to discuss your case.