Assertive & Meticulous Insurance Lawyers Sydney

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Denied Insurance Claim?

Need legal aid on your insurance claims? Are you having trouble on your litigation or indemnity claim? Our meticulous solicitors at Unified Lawyers is here to provide efficient solutions. It is a common misconception that insurance covers all claims.

Our team of Sydney insurance lawyers have a genuine passion and extensive experience in insurance law and provide outstanding legal services to both insurers and insureds. That’s why we have over 90 5-star reviews for our insurance legal service.

This results in the insured being placed in a difficult situation with the prospect of defending against an uninsured loss. This may cause undue stress and significant costs.Need legal aid on your insurance claims? Are you having trouble on your litigation or indemnity claim? Our meticulous solicitors at Unified Lawyers is here to provide efficient solutions.

Our team of Sydney insurance lawyers have a genuine passion and extensive experience in insurance law and provide outstanding legal services to both insurers and insureds. Thats why we have over 80 5 start reviews for our insurance legal service.

What makes our Sydney Lawyers eligible?

Our Solicitor Directors have combined experience of over 10 years in the insurance law industry and both leverage their insurance knowledge to provide practical and frank advice on insurance matters relating to motor vehicles, property damage, products liability, professional negligence, fraud, indemnity and coverage disputes, strata, building and construction.

Our law firm has a reputation that is built on providing timely and comprehensive dispute resolution strategies to insurers and to insureds on policy wording, interpretation, subrogated recovery and defenses.

Solid Legal Advice for Individuals and Commercial Insurance Holders

Our Sydney insurance lawyers provide all our clients with robust advice and always consider their commercial drivers, in particular, the true costs of settling a claim. Commercial viability is always in the back of our minds, so our insurance lawyers tackle each and every matter in a unique and effective manner to ensure that the best commercial outcome is reached for our clients. Reflecting on this approach, most disputed matters we advise on are settled early and prior to the hearing.

Should our clients wish to proceed to hearing, we firmly and fairly protect their interests.

We represent clients in all Australian jurisdictions and a number of international jurisdictions.

Flexible Billing, Fewer Charges, Reasonable Fixed Fees

We are not a traditional law firm. We do not believe in charging for printing, postage or brief phone calls like other law firms do. We tailor our billing models to suit each matter and more importantly, our client’s needs. We provide flexible billing models such as event billing, time interval billing and fixed fees.

We ensure that all our fees and costs are clearly set out to you in our costs agreement so that our clients know exactly where every dollar is spent. When a matter is taken to the Local Court or Supreme Court, we fight vigorously to ensure that the majority of our client’s legal fees are paid by the other party. If you are trying to figure out how to sue an insurance company, contact us and we will help you fight.

Extensive Experience in Insurance Law

Our Sydney insurance lawyers have experience that spans many insurance areas including:

  • product liability
  • motor vehicle and car insurance laws
  • property damage
  • home and contents
  • commercial insurance claims
  • health insurance laws
  • import and export claims
  • insurance fraud
  • compensation claim
  • business interruption
  • machinery breakdown
  • building and construction
  • professional indemnity
  • CTP insurance

Our Sydney Insurance Lawyers have a reputation for having the expertise in legal service necessary to deal with complex matters including:

  • catastrophic claims
  • sensitive matters
  • matters with intricate legal and factual issues
  • choice of law issues
  • prospects of recovery
  • indemnity, statutory
  • policy interpretation

Take it from our previous clients

Our firm has dealt with all the major insurers, brokers and underwriting agents throughout Australia. We’ve advised and won in most areas of insurance as well as bringing and defending legal proceedings.

Our lawyers have numerous years of experience in legal practice, acting for and against many of Australia’s largest insurers.

Our experience in Insurance Law NSW

Our Sydney insurance lawyers have experience that spans many insurance areas including:

  • product liability
  • motor vehicle law
  • property damage
  • home and contents
  • commercial insurance claims
  • import and export claims
  • insurance fraud
  • business interruption
  • machinery breakdown
  • building and construction
  • professional indemnity
  • CTP insurance

Act now to resolve your insurance claim matter

If you receive a denial of indemnity or declinature letter, make sure you contact us straight away to discuss.

Remember, you do not have to accept the insurer’s reasoning and decision as to why your insurance claim was denied. The insurer’s decision may be disputed.

For legal advice on matters where the insurer has denied your claim, contact us for insurance law advice at 1300 667 461.

Denied insurance claim lawyers

One of the most frustrating and problematic areas in Insurance Law is where insurers reject an insurance claim from their own client by saying that information was hidden from them during the insurance application or that the event of loss is not covered by the insurance policy. In most cases, our lawyers can fight to get the claim paid.

  • The incident leading to an insurance claim: You suffer a loss or damage. It may be property damage or destruction.  If you are like many of us, you may have purchased insurance to compensate you in the event of that loss or damage.

Insurance claim denials or disputes

You contact the insurance company and initiate steps to make a claim — essentially a demand to be paid under the terms and conditions of the policy of insurance.

The response to your claim is unexpected. Your insurance company may deny the insurance claim — meaning it doesnʼt believe it has to pay you for a particular loss or damage.  This is often known as a denial of indemnity and is often outlined in a declinature letter by the insurer.

Alternatively, your insurance company may agree that you suffered a loss for which payment is owed, but dispute the amount to be paid — meaning you believe you are owed more money than it is willing to tender.

At this point, you may wish to contact a lawyer for assistance in resolving the matter.

Our experience in Insurance Law

Our Sydney insurance lawyers have experience that spans many insurance areas including:

  • product liability
  • motor vehicle
  • property damage
  • home and contents
  • commercial insurance claims
  • import and export claims
  • insurance fraud
  • business interruption
  • machinery breakdown
  • building and construction
  • professional indemnity
  • CTP insurance.

How we can help you

Unified Lawyers represents residents of the greater Sydney metropolitan area in denied insurance claims and disputed insurance claims. We have the expertise and skill to assist you in your dispute with your insurance company.

Unified Lawyers have acted for insurers and insureds in numerous cases, claims and matters relating to insurance disputes, denials and coverage issues in the Local Court, District Court and Supreme Court and Tribunals in New South Wales.

If you retain Unified Lawyers to help, the first step we would undertake is a thorough review of your policy and any relevant documents.

The key thing to remember is that insurance is a contract. While there are regulations that limit types of provisions that insurance companies can include in this contract with you, the wording within your policy and the written record of your contract is important.

For example:

  1. Insurance policies covering property damage may have provisions as to whether the insurance company must settle in cash, or repair or replace the item in question.
  2. If you purchased insurance to compensate you for interruptions to your business, the contract will define exactly what constitutes sufficient disruption for you to be paid.

At Unified Lawyers, we review claims involving building, products, property, building warranty, home and contents, commercial, corporate or all types of business matters, including business interruption and motor vehicles.

After ascertaining the facts from you, and reviewing your policy, we may undertake further investigation. We may ask you to provide records for us to look at, photographs of your damaged property, or names of persons who saw the incident that caused your loss.

Once we understand your loss or damage and analyse your policy, we will contact your insurance company. Sometimes denials can be reversed or disputes resolved amicably. If however, we cannot reach a satisfactory conclusion through less formal means, we are prepared to file your case in the appropriate court, tribunal or with the Financial Ombudsmen Service.

If the matter comes before a court, more formal investigation may ensue. There may be demands for answers to questions, for submission of documents, and for you or other witnesses to answer questions under oath. There may also be investigations of the site where the incident or loss occurred.
In all cases, you need to understand that there are time frames within which you need to take action. Delay may cause you to forfeit your right to reverse a denial or resolve a dispute.  It is important for you to speak to one of our Sydney solicitors without delay.

If you have any questions about a proposed payment or denial of a claim from your insurance company, feel free to contact and book a free consultation with one of solicitors at Unified Lawyers.

Who we deal with every day

Our firm deals with all the major insurers, brokers and underwriting agents throughout Australia, advising on most areas of insurance as well as bringing and defending legal proceedings.

Our lawyers have numerous years of experience acting for and against many of Australia’s largest insurers.

Has your insurer denied your claim?

If you receive a denial of indemnity or declinature letter, it is likely that the insurer has either:

  • misinterpreted the policy
  • made an incorrect decision to deny insurance
  • made a decision which may not have had any standing
  • made a decision without vital information

It is important to know that you do not have to accept the insurer’s decision and that the decision may be disputed. 

If you want to know if your insurance claim should have been paid, make sure you seek advice of an experienced lawyer.

For specialist advice on denial of insurance cover or declinature letters, please contact Unified Lawyers on 1300 667 461.

Learn More

If you would like to learn more about insurance in general, you should have a quick read through our Insurance FAQ page. Our FAQ page goes through and helps explain all the common terms and phrases that you might come across concerning Insurance.

Otherwise, please contact our insurance lawyers on 1300 667 461 for a chat.

Insurance FAQs

What is insurance?

The basic idea behind insurance is deceptively simple. You make a payment to an insurance company, called a premium. The insurance company takes all of the payments or premiums received from all of its customers and places these monies into various investments. In return for the premium paid, the insurance company enters into a contract with you, called a policy. If you suffer a loss that is described in the policy as being covered, then the insurance company pays you, according to a particular schedule, for that loss.

What is a Policy Schedule?

The policy schedule sets forth certain financial information and specific details about your contract of insurance with the insurer. It usually details the level of insurance provided, the compensation that the insurance company may pay you, or on your behalf, for any particular type of loss.

It may also set forth one or more deductibles (commonly known as excess), which is a certain minimum threshold that must be met before the insurance company will pay for anything. Finally, certain insurance policies may only pay a fixed percentage (sum insured) of the total amount lost, leaving you responsible to make up the rest.

What is a Policy Wording?

The policy wording is simply the general terms and conditions of the insurance contract.  Any insurance policy should have a sections for definitions, benefits, exclusions and conditions.

It is important to understand the terms and conditions in your policy, as sometimes they vary from common understanding.

What is a Policy Endorsement?

A policy endorsement is a written document that changes or modifies the insurance contract such as the amount of coverage under a particular section or sections of the insurance contract. In other words, the information in the endorsement supersedes or controls, in the case of a conflict between what it says, and what the initial policy states.

What types of insurance products or policies are available?

Almost anything can be insured. You may have read articles where a famous concert violinist insures his hands, or an athlete takes out insurance against injury that would forestall a professional career.

But the more common types of insurance policies are the ones you would be most likely to take out. These include motor vehicle insurance, compulsory third party insurance, homeowners or household, building insurance, professional indemnity, landlord insurance, travel insurance, life insurance, health insurance, workers compensation, business insurance and home warranties.

Do I need an Insurance Broker?

Some types of insurance may be sold directly by the company or company representative to you. Others may be sold only through an authorised agent known as an insurance broker. At times, an insurance broker may offer particular types of coverage from multiple companies, allowing you to compare and select the coverage and pricing that best suits you. In addition to this, some insurance brokers not only help choose the best insurance policy for you but help manage everything involved with your insurance policies including your claims, renewals, completing forms, communicating with the insurers and so forth.

When can I make a claim on my insurance?

This is a simple question with a tricky answer. The basic response is you make your claim as soon as you have accumulated all of the damages from your loss, but before any applicable limitations time expires. If your claim involves personal injury, you may not know the extent of your “damages”, as the full extent of your health concerns may not be understood until you have finished a course of treatment. But, you need to make a claim prior to any time limits or terms and conditions set forth in your policy.

Overall, the timing of when a claim can be made depends on the terms and conditions of the insurance contract.

Most claims can be made over the phone, completing a claim form or by writing.

What is the Insurance Code of Conduct?

The Insurance Code of Conduct, or Code of Practice, is designed to improve claims and complaint resolution and assist the public in understanding how general insurance — which is home-owners or household, motor vehicle, and other common policies — operate.

What is a Denial of Indemnity?

A Denial of Indemnity is where the insurance company refuses to pay a claim because it contends that the particular loss is not covered under the policy.

Where can I obtain more information to help me understand my insurance questions?

Feel free to contact one of Sydney Insurance Lawyers at Unified Lawyers on 1300 667 461 or info@unifiedlawyers.com.au.

We are happy to consult with you on any insurance matters.