When you pay your monthly premiums, you are fulfilling your part of a legal contract with the hope that your insurance company will be there when a crisis occurs. However, many people find that complicated forms, long delays, or outright denials replace the support they expected.
If you are struggling to get a fair response from a provider, a Washington State insurance claims attorney from our team is ready to stand by your side. Since 1893, we have helped residents in the Puget Sound area confront these difficulties and hold insurance companies accountable for the promises they made.
We understand the stress of dealing with a claim while trying to heal, and our philosophy is simple: we will take it from here. Our team works to ensure that your provider follows the laws that protect consumers, and with the guidance of an experienced personal injury lawyer, we use our 130 years of history to provide the capable assistance you require.
Why Choose Jacobs & Jacobs for Washington State Insurance Claims Attorney
Choosing the right team to handle your dispute is a pivotal decision that affects your financial stability and peace of mind. Our firm has been a part of the Washington legal community since 1893, when B.F. Jacobs first began serving the people of this region.
We have grown to include more than 50 members who are all focused on one thing: providing compassionate and strong advocacy for people who have been injured or treated unfairly by insurance providers.
- Our deep roots in Pierce, King, and Thurston Counties mean we understand the local community and the specific courts where these cases are heard.
- We offer a family-led legacy of service that has spanned generations, giving us a unique perspective on the long-term needs of our clients.
- With primary offices in Kent and Puyallup, we are conveniently located to serve the entire Puget Sound region.
- We operate on a contingency basis, so you do not have to pay any upfront fees, and we only receive payment if we recover money for you.
We are committed to clear and consistent communication, so you are always aware of where your claim stands. Our team is large enough to take on major insurance companies, but small enough to provide the personal touch that a family business offers.
Accountability in Insurance Disputes
An insurance policy is more than just a piece of paper, it is a legal agreement where the company is required to act in good faith. Good faith is a legal term that means the insurance provider must act honestly and fairly toward the person they are insuring.
According to RCW 48.01.030, the business of insurance is one that is affected by the public interest, requiring all parties to act with integrity. When a company fails to investigate a claim properly or offers a settlement that is far below the actual cost of your injuries, they are failing in their duty to you.
We work to hold these companies accountable by thoroughly reviewing every detail of your policy and the events that led to your injury. We look for evidence that the provider is following the rules and that they are considering all the documentation we provide.
This process involves a deep look into the facts of the case, which allows us to build a strong argument for the full value of your claim.
- Policy Review: We examine the language of your insurance contract to identify every area of coverage available to you.
- Claim Investigation: We gather evidence to show that your injuries and damages are covered under the terms of your policy.
- Negotiation: We speak directly with the insurance adjusters to move the process forward and seek a fair resolution.
Our team handles the difficult conversations and the heavy paperwork so you do not have to. We believe that by providing strong advocacy, we can help our clients find the resources they need to move forward with their lives. We have seen many different tactics used by insurance providers since 1893, and we use that experience to stay one step ahead in every case we handle.
How Do Serious Injuries Affect My Claim Documentation?
The physical harm resulting from an accident often dictates the complexity of an insurance claim. We discuss serious injuries, such as a Traumatic Brain Injury or severe burns, because they require extensive documentation to prove their impact on your life.
A Traumatic Brain Injury, often called a TBI, happens when a sudden jolt or hit to the head causes the brain to move within the skull. These injuries are often invisible to the naked eye, which makes detailed medical records and reports from specialists essential for establishing the value of your claim. An experienced brain injury lawyer can help ensure that the full impact of these complex injuries is properly documented and presented.
When we handle cases involving these types of injuries, we focus on how they affect your daily life and your ability to earn a living. The costs of treating a TBI or managing the results of severe burns can be very high, and we make sure those costs are documented for the insurance company to see.
- Diagnostic Records: This includes imaging like MRIs and CT scans that provide physical proof of a head injury.
- Specialist Consultations: Reports from neurologists or burn specialists explain the long-term care you will need.
- Care Plans: These documents outline the physical therapy or surgeries required for your recovery.
Focusing on these specific medical details shows the insurance provider the true depth of the harm you have suffered. We don’t just look at the bills you have today, but we also consider the treatment you will need in the years to come. This thorough approach to documentation is a major part of how we build a strong case for our clients and pursue the support they need.
Our History of Service in the Puget Sound Region
Jacobs & Jacobs has been a part of the local community since 1893, and we are proud of our long history of serving our neighbors. We have seen the Puget Sound grow and change over the last 130 years, and we have remained dedicated to providing strong legal help for families in this area.
Our offices in Kent and Puyallup allow us to stay close to the people we serve in King and Pierce Counties, and our satellite office in Olympia helps us reach those in Thurston County.
We are not just a law firm, we are your neighbors who understand the local roads and the local courts. Whether your injury happened near Kent Station or the Washington State Fairgrounds in Puyallup, we know the area and we know how to help.
FAQs
What should I do if my insurance company denies my claim?
If your claim is denied, the first step is to ask for a written explanation of the decision. Insurance companies are required to explain why they are not providing coverage based on the terms of your policy. We can review this letter and your policy to see if the denial is fair or if the company is acting in bad faith. Many denials can be challenged if there is evidence that the provider did not properly investigate the facts of your case.
How do I know if a settlement offer is fair?
A settlement offer should cover all your medical bills, your lost income, and the physical pain you have suffered. It should also take into account any future medical care you will need. Insurance companies often offer a low amount early in the process, hoping that you will accept it before you know the full cost of your injuries. We can help you calculate the true value of your claim by looking at your medical records and your long-term needs.
Can I still seek recovery if I do not have a lot of evidence from the scene?
While evidence from the scene is very helpful, it is not the only way to build a case. We can use your medical records, witness statements, and reports from specialists to show the impact of the incident. We also have the resources to conduct a deeper investigation into the events that led to your injury. Our team has the experience to find the information needed to support your claim even when the initial evidence is limited.
What is the difference between a first-party claim and a third-party claim?
A first-party claim is a request you make to your own insurance company, such as a claim for uninsured motorist coverage. A third-party claim is a request made to another person’s insurance provider because they were responsible for your injury. Both types of claims require a thorough understanding of policy language and state law. We can help you manage both types of requests to ensure you are looking at every available source of recovery.
How much will it cost to hire an attorney for my insurance claim?
We work on a contingency basis, which means that we do not charge any upfront fees for our services. We only receive a percentage of the money we recover for you at the end of the case. This allows you to have high-quality legal help without having to worry about how to pay for it while you are also managing medical bills. Our goal is to make the legal process accessible for everyone in our community.
Will my case have to go to court?
Many insurance claims are settled through negotiations without ever needing to go to a courtroom. We work hard to reach a fair settlement that meets your needs through direct discussions with the insurance provider. However, if the company refuses to offer a fair amount, we are prepared to take your case to court to protect your rights. We will keep you informed throughout the entire process so you know what to expect at every stage.
We Will Take It From Here
Dealing with a difficult insurance company can be a source of constant stress, but you do not have to handle it by yourself. Our team at Jacobs & Jacobs is ready to step in and manage the legal complexities of your claim.
We have the history and the strength to hold insurance companies accountable and to pursue the support you need for your recovery. We offer free consultations to discuss your situation and to explain how we can help you move forward. Let our family take care of the legal details so you can focus on your healing.
Injured? Get the Compensation You Deserve!
Don’t let insurance companies undervalue your claim. Our experienced injury attorneys fight for your maximum compensation—so you can focus on healing. No fees unless we win!
Schedule A Free ConsultationContact Jacobs & Jacobs Today
If you are struggling with an insurance claim, contact us today to learn how we can provide the advocacy you need. With a 130-year history of serving Washington, we have the stability and the knowledge you can trust.
Contact our offices in Kent or Puyallup for a complimentary consultation, or we can arrange a time to visit you at your home. We are ready to stand by your side and ensure that your rights are protected. We will take it from here.