Insurance counseling and litigation
At the Valentino Law Firm, lawyer Victor Valentino has special knowledge of insurance matters that the majority of attorneys do not have. Your first step to receiving insurance benefits is having a full understanding of your insurance rights.
Mr. Valentino explains your rights as an insurance policyholder or one who may be entitled to benefits under an insurance policy. If you have been unfairly denied insurance benefits, Valentino Law Firm litigates the case on your behalf.
Michigan no-fault law and first party insurance
All car owners in Michigan are required by law to purchase no-fault insurance, also called first
party insurance. A standard no-fault insurance policy protects you and your passengers in three areas
of coverage:
- Personal injury protection
- All medical costs
- Up to 85 percent of lost wages for three years
- $20 per day in replacement services
- Attendant care
- Transportation expenses due to the accident
- Property protection
- Up to $1 million for damage your car does to other people's property
- Third party insurance—bodily injury and property damage
- Protects you from lawsuits due to most non-fatal auto accidents
- Covers serious impairment or permanent disfigurement up to your policy limits
Typical first party insurance policies have coordinated coverage, which means that your health insurance is expected to cover you up to its maximum and your first party policy covers the remainder. However, insurance companies may attempt to deny liability for their part of your claim. If you have been hurt in a Michigan car accident and you are not receiving your insurance payments, Valentino Law Firm helps you get your rightful compensation.
Denial of other insurance benefits
Insurance companies may offer various justifications to deny benefits for—
- Short or long term disability
- Psychological trauma
- Other damages
If a settlement agreement cannot be reached, we file a lawsuit to recover your lost benefits.
Homeowners insurance claims
Many denials of homeowner's insurance claims are due to unfair interpretations of the insurance policy or procedures:
- Definition of accident is debated
- Source of water intrusions and floods is questioned
- Homeowner must defend relationship to third party damage
- Claim form is said to be filled out incorrectly
- Coverage is questioned due to liability for other issues
Our insurance lawyer carefully studies the language of your policy, and helps ensure that you receive the benefits that you are entitled to. He assists you with the presentation of your claim, handling all matters throughout the process to maximize your benefits.
Get support from an accomplished insurance lawyer in Southeast Michigan
Attorney Victor P. Valentino and his experienced legal staff provide thorough, effective legal assistance with civil litigation, workers compensation, bankruptcy, personal injury and insurance law to residents of the Detroit, Bloomfield, Pontiac, Waterford, Clarkston and White Lake areas.
Victor Valentino is well respected in the field of insurance law. He has extensive knowledge of how insurance plans fit together with automobile accidents, fires, commercial claims, and other areas of the law. Mr. Valentino is a recipient of the American Jurisprudence Book Award for insurance.
To arrange your free consultation with a Michigan insurance lawyer, contact the Valentino Law Firm in Metro Detroit at 248-334-5340.
