Quick Facts About The Hartford

The Hartford is an insurance company based out of Hartford, Connecticut. The company was founded over two hundred years ago, in 1810. They operate within all fifty states. The Hartford offers a wide variety of insurance products including automobile, property, and general liability insurance coverage. The company manages over seventy billion dollars in total assets.

Auto Accident Victims May Be Entitled To Compensation From The Hartford

Car accidents are a common occurrence in Minnesota. According to data collected by the Minnesota Department of Public Safety, nearly 30,000 people involved in car crashes are injured each year in the state of Minnesota. For most of these accident victims, the result is that they face extensive damages. Aside from the physical pain and suffering incurred, often they are subjected to staggering medical bills along with lost wages from work.

Typically the auto accident victim will be able to collect compensation by way of their own auto insurance provider or via the other motorist’s insurance company. Sadly, however, the large insurance companies do not always abide by the maximum amount of compensation that the victim is due. Many times, valid claims are incorrectly denied by The Hartford as well as other insurers.

If The Hartford denied your insurance claim, what are your options? The most important thing to be aware of is that you have legal options at your disposal. You should not automatically assume that your claim is worthless. Contact an experienced Minneapolis car accident attorney who is well-versed in dealing with The Hartford insurance claim denials.

What’s The Difference Between A First And Third Party Claim?

There are two major types of insurance claims: first party claims and third party claims. An example of a first party claim would be if you are a The Hartford customer and you are attempting to bring a claim against your own auto insurance policy with The Hartford. In contrast, an example of a third party claim would be if you attempt to bring a claim against the auto insurance policy of the other motorist who is insured by The Hartford.

In some circumstances you will need to seek a first party claim, while other circumstances necessitate a third party claim. Which type of claim to seek varies based on the specific facts involved in your case. Nonetheless, irrespective of whether you are an actual customer of The Hartford, the company is required to deal with your case in an equitable fashion.

The Hartford Must Act In Good Faith

The Hartford is legally required to process both first party and third party insurance claims using good faith settlement procedures. They are not allowed to deny plainly legitimate claims and they also cannot use the potential to deny a claim unfairly as a negotiation strategy. There are many specific requirements that must be met by the insurance company. If your car accident was dealt with unjustly, then you may be a The Hartford victim of bad faith.

Bad faith insurance victims qualify for compensation equal to the entire value of their damages. In addition to the original claim value, they may be granted further monetary aid. Here are some indications that could demonstrate The Hartford to be processing your claim in bad faith:

- Failure to communicate properly
- Excessive delays
- Failure to include relevant facts
- Inaccurate characterization of the insurance policy

Not fully examining your claim
Unfairly refusing coverage
Excessive requirements for paperwork
Failure to fully compensate the claim

What Can Our Award Winning Auto Accident Lawyers Do To Help?

Inspect Your Denial Letter
You likely received an official denial letter from The Hartford explaining why they denied your claim. It’s important to review the factors which lead the insurance company to reach their determination. Once you have received your denial letter, it’s important to show it to an experienced lawyer. Your attorney will be able to assess the determining denials factors and advise you as to the best course of action.

File a Demand Letter
Your lawyer can prepare your demand letter in response to The Hartford denying your car accident claim. Within your demand letter, your attorney will enumerate the circumstances of your case and include a request for financial compensation. Moreover, if your Minneapolis car accident lawyers suspect that The Hartford is using bad faith settlement procedures, your attorney can explain that you are willing to bring a bad faith settlement claim against The Hartford if the situation is not remedied.

The Appeals Process
If your insurance company has denied your claim, our award winning Minnesota car accident attorneys can file an appeal directly with The Hartford. We will ensure that your paperwork is filed correctly and prepared in the most effective way possible. This will promote a speedy resolution for your claim.

Tough Negotiation
Oftentimes people mistakenly assume that they have no further options after receiving a denial later. Some believe that the only alternative left is to sue the insurance company. In reality, however, if you find yourself in this situation, there is a way to get The Hartford to negotiate with you. Our MN car accident lawyers have extensive experience negotiating with insurance companies. We will aggressively advocate for your claim and strive to secure the maximum settlement possible for your insurance claim.

Bring an auto accident lawsuit for your injury
Most car accident injury claims end up being settled out of court. Still, some claims may require that the victim ultimately file a lawsuit against The Hartford. In addition to the injury lawsuit, there is also the possibility that a bad faith insurance claim needs to be brought. Our car accident attorneys will explore every possible recourse for your insurance claim, including filing a lawsuit against The Hartford.

If The Hartford Has Denied Your Insurance Claim, What Are Your Options?

If you or a loved one have had your insurance claim denied, the personal injury attorneys at Tarshish Cody are available to assist you. Get the legal representation you deserve to move forward as quickly as possible! At Tarshish Cody we will fight your The Hartford insurance claim on your behalf to seek compensation for your injuries, pain and suffering, and financial loss which resulted from an accident.

For further questions about your denied The Hartford insurance claim, call Tarshish Cody’s personal injury attorneys at 952-361-5556 or fill out the free Case Evaluation Form.