Insurance Claims

First-party insurance claims arise when you file a claim directly with your own insurance company after a loss, such as property damage, storm damage, fire damage, theft, or other covered events. While policyholders expect their insurance company to act fairly and pay valid claims, disputes can happen when a claim is delayed, underpaid, or denied. We help you understand your policy rights and pursue the compensation you are owed under your insurance coverage.

Insurance claims can be difficult to manage, especially when you are already dealing with an injury, property damage, financial stress, or health concerns. If your insurance company has delayed a decision, denied your claim, or offered less than you believe your policy provides, it may be helpful to have an attorney review the situation.

We help you understand your insurance coverage, communicate with insurance companies, and determine what steps may be available under Arkansas law. In some cases, when an insurance company wrongfully denies or delays a claim, Arkansas law may allow for additional penalties and attorney’s fees.

Uninsured motorist coverage may apply when you are injured in an accident caused by a driver who does not have insurance. In that situation, you may need to file a claim through your own insurance policy to help address medical expenses, lost income, property damage, or other losses connected to the accident. These claims can still involve questions about coverage, documentation, and the value of the claim, so it can be helpful to have guidance as you move through the process.

Underinsured motorist coverage may apply when the other driver has insurance, but their policy limits are not enough to fully address the damages from the accident. These claims often require a careful review of the available insurance coverage, the injuries involved, medical records, lost wages, and any payments already made by the at-fault driver’s insurance company. We can help you determine how your underinsured motorist coverage may apply and what information may be needed to support your claim.

Disability and health insurance claims can be especially stressful because they often arise when someone is already facing medical issues, time away from work, or ongoing treatment. These claims may involve medical records, physician statements, policy requirements, deadlines, and appeals. If your claim has been denied or the benefits offered do not appear to match your coverage, Lovell, Nalley & Nalley can help review the decision and explain what options may be available.