Georgia Policyholders Protection Attorney

Johnstone Trial Law, LLC - Advocating for Policyholders

We provide competent, committed and compassionate legal representation to Georgia policyholders facing unjust denial or underpayment of their insurance claims. We understand that when people and businesses make insurance claims, they already are facing difficulty and anxiety. Our legal practice is built on the unwavering principle of advocating for the rights and interests of policyholders,holding insurance companies accountable and evening the odds between policyholders and insurance companies. 

Insurance Companies Must Treat Georgians Fairly

When you pay your premiums, your insurance company owes you honesty, fairness, and payment for covered losses. Georgia law makes sure of it.

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If your insurer refuses to pay what it owes, delays without reason, or hides behind “investigations” that go nowhere, you have rights under Georgia law. A policyholder who proves the company acted in bad faith can recover not just the amount owed, but also penalties up to 50% of the loss—or $5,000—and attorney’s fees. (O.C.G.A. § 33-4-6)

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But there’s a catch: Many Georgia policies limit how long you have to sue—sometimes just one or two years from the date of loss, even though the general contract limit is six. Wait too long and the insurer can use its own fine print to shut the courthouse door. As a result, it can be important to file a proof of loss as soon as you can do so accurately and thoroughly.

 

In addition, before suing for bad faith, you must send a written demand and give the insurer 60 days to make it right. Miss that step, and you lose the bad-faith remedy. 

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Bottom line: in Georgia, you can’t control when disaster strikes—but you can control how you respond. Contact Johnstone Trial Law to help you navigate these steps.

 

Comprehensive Legal Services in Georgia

 

1. Claim Denial Analysis: We meticulously review the circumstances and documentation surrounding your denied claim to identify instances of bad faith. This involves examining the policy language, assessing the insurer's rationale for denial, and comparing it against the actual facts and applicable law.

2. Litigation and Negotiation: Should negotiation fail to yield a fair resolution, we are fully prepared to take your case to court. With a proven track record in litigation, Attorney Inge Johnstone will present a compelling case that underscores the insurer’s bad faith conduct and the damages incurred as a result.

3. Expert Consultations: We collaborate with industry experts, including appraisers, contractors, engineers,and claims professionals, to provide comprehensive evidence supporting your claim. These expert opinions are invaluable in strengthening your case and ensuring that all aspects of your loss are thoroughly documented and presented.

4. Policyholder Education: Understanding your rights as a policyholder is crucial. We provide guidance and education on insurance policies, helping you navigate the complexities of insurance law and making informed decisions about your claims and coverage.

Why Choose Our Legal Services

• Experience and Expertise: With fifteen years of specialized experience in bad faith insurance claims, we have a deep understanding of the tactics insurance companies use to minimize or deny claims. We have deposed extensively claims representatives, claims managers and insurance company executives. We also read industry publications and interface with insurance professionals to stay on top of every development. Our extensive knowledge of Georgia insurance law equips our legal team to effectively counter these strategies and secure favorable outcomes for our clients.

• Client-Centered Approach: We provide personalized legal services tailored to the unique needs of each client. We listen to your concerns, understand your situation, and develop a legal strategy that aligns with your goals.

• Aggressive Advocacy: We fight hard for policyholders by trying to outwork and out-think the insurance company lawyers.. Insurance companies often have vast resources at their disposal, but we level the playing field by fighting tirelessly to protect your rights and ensure justice is served.

• Cutting Edge Technology: We leverage technology to help level the playing field with insurers. This includes subscribing to extensive databases that contain access to insurance cases, laws, treatises, and guidelines across the United States. It also includes staying on top of the latest developments in litigation technology and advocacy.

• Proven Results:  Our law firm has a proven track record of successfully resolving insurance and bad faith claims, resulting in significant compensation for policyholders. These victories not only provide financial relief to our clients but also serve as a deterrent to insurance companies contemplating bad faith practices in the future.

Contact Johnstone Trial Law, LLC Today for Your Free Consultation

If you believe your insurance company has acted in bad faith, wrongfully denied your claim, or underpaid your claim,reach out to Johnstone Trial Law, LLC. We offer a free initial consultation to evaluate your case and discuss your legal options. Together, we can ensure that your rights are protected and that you receive the compensation you deserve. Contact us today to schedule your consultation and take the first step toward securing the justice you are entitled to.