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Philip G. Watson, experienced Estate Planning, Insurance attorney in Eureka, CA with 3 reviews
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
35,09
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5.0/5
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5.0
3 Reviews
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23 May, 2018 by Miles
Our property was involved in a car accident caused by an employee of CalTrans. The insurance adjuster with CalTrans was a complete lunatic. It took 3 years (!) for the issue to get resolved, and that was with Phil trying his damnedest to get it done. I can't recommend Phil highly enough.
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29 Oct, 2017 by Patricia
I was referred to Philip Watson by an attorney, and now I can also recommend him without any reservation. Mr. Watson successfully settled a personal injury claim for me this year. His professional experience and knowledge were integral to a positive outcome. Further, his balanced demeanor offset the emotional experience I faced. I also appreciated that he communicated the exact action taken, and his office staff was efficient. I will definitely be seeking Philip Watson's counsel as needed in the future.
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07 Jul, 2017 by Jan
Phil and his brother Steve have been our attorneys for 27 years. Phil has been instrumental in writing and reviewing contracts for our various family businesses.....always with an eye for detail yet keeping things as simple as possible. He and his brother have helped us through our own estate planning process. When my father-in-law died, they guided us through the administration and final distribution of his rather complicated estate. They are very knowledgeable attorneys who are detailed orientated, always there to answer questions and their fees are more reasonable than most. Would highly recommend both Phil and Steve.
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Stephen G. Watson, experienced Estate Planning, Insurance attorney in Eureka, CA with 3 reviews
Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
35,09
star star star star star
5.0/5
Avvo
5.0
3 Reviews
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24 Jun, 2017 by Anonymous
Stephen Watson provided legal services to settle our family estate. Services included review of and overseeing the division and settling of the family trusts. Mr. Watson was thorough, clear, and concise in our conferences during this process. He reviewed all documents and explained all options in clear language that was easy to understand. Mr. Watson monitored the settling of the estate from start to finish and checked each step along the way so that pitfalls were avoided and tax implications were understood before decisions were made. The settling of the estate was completed with no problems and I could not have been happier and more satisfied with the legal services and solid advice that Mr. Watson provided.
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22 Jun, 2017 by Dan from eureka
After mom passed Stephen reviewed the terms of mom's Will and Trust with my brother and I. Over a year and a half Stephen was always there when we had questions or needed guidance for the next step dividing mom's estate in a fair and equitable way. I will use Stephen again when I need other types of legal advice and give him my highest recommendation.
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12 Jun, 2017 by Mark
We needed the advice of an legal expert for a claim against a Government agency. We spoke to Mr Watson and he provided us on how to proceed without needing his immediate services. When said Government denied any responsibility, We hired him immediately. From the start he was very forthwith about the extreme difficulties in litigating against them. He was open about the expenses and probable extended time to pursue this matter. It was seven years later that we prevailed and were awarded our settlement. We will always be grateful to both Stephen and his brother, Philip. They were tireless and always committed to helping our family. Without their extensive knowledge and expertise, I am certain we would not have had the same results. Mr Watson is best described by his statement to me at the outset of this. " Just always tell the truth and never waiver from it, and you will do fine" Highly recommend the firm
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Nicholas Robert Kloeppel, experienced Civil Rights, Government attorney in Eureka, CA with 0 reviews
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Andrew Joseph Stunich III, experienced Business, Car Accident attorney in Eureka, CA with 0 reviews
Below Average
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Lawyer credibility rating system is an internal lawyer evaluation system developed by the company based on a comprehensive analysis of more than 10 indicators. The rating can range from 0 to 100.
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What an Insurance Lawyer Can Do for You

An insurance lawyer specializes in legal issues related to insurance policies and claims. These lawyers help individuals, businesses, and insurance companies navigate disputes involving insurance coverage, claim denials, bad faith claims, and policy interpretation. Insurance lawyers can represent policyholders who feel they've been unfairly denied coverage, or they can work on behalf of insurance companies to defend against fraudulent or inflated claims.

Whether you're filing a claim, disputing a denial, or dealing with complex coverage issues, an insurance lawyer can provide critical guidance and legal representation to protect your rights and ensure you receive the benefits you're entitled to under your policy.

When Should I Hire an Insurance Lawyer?

Hiring an insurance lawyer is advisable in several situations, particularly when disputes arise over insurance coverage, claim denials, or bad faith actions. Common reasons to hire an insurance lawyer include:

  • Denied insurance claims: If your insurance company denies your claim, a lawyer can help determine whether the denial was justified or if you should challenge the decision.
  • Bad faith insurance practices: If you believe your insurer has acted in bad faith, such as delaying payment or failing to properly investigate your claim, a lawyer can help you pursue legal action.
  • Underpaid claims: If the insurance company has offered less compensation than you believe your claim is worth, a lawyer can negotiate for a higher payout or file a lawsuit.
  • Coverage disputes: When there's ambiguity or disagreement about what your policy covers, a lawyer can provide clarity and advocate for your rights under the policy.
  • Business insurance claims: If you own a business and are dealing with commercial insurance claims (e.g., property damage, liability, or professional indemnity), a lawyer can help ensure your business receives proper coverage.
  • Third-party claims: If you're being sued for liability and your insurance company refuses to defend or indemnify you, an insurance lawyer can help enforce your coverage rights.
  • Appealing long-term disability claims: If your disability insurance claim has been denied, a lawyer can assist in gathering evidence and appealing the decision to get the benefits you deserve.

What Does an Insurance Lawyer Do?

An insurance lawyer provides a wide range of services to assist with insurance-related legal issues. These can include:

  • Reviewing insurance policies: A lawyer can review your insurance policy to ensure you understand your rights and obligations, as well as clarify what coverage is provided.
  • Filing insurance claims: Assisting with the preparation and filing of claims to ensure all necessary documentation is submitted correctly.
  • Challenging claim denials: If your claim has been denied, a lawyer can investigate the reasons for denial and file appeals or lawsuits to challenge the decision.
  • Litigating bad faith claims: Representing clients in bad faith insurance cases, where the insurer fails to act in good faith by unfairly delaying, denying, or underpaying a valid claim.
  • Negotiating settlements: Helping policyholders negotiate settlements with insurance companies to receive fair compensation for claims.
  • Defending against fraudulent claims: Representing insurance companies to defend against false or exaggerated claims filed by policyholders or third parties.
  • Handling disputes over policy language: Interpreting complex insurance policies and resolving disputes between the insured and the insurer regarding coverage limits, exclusions, and conditions.

How Are Insurance Lawyers Paid?

Insurance lawyers typically charge for their services in different ways, depending on the nature of the case and the type of insurance issue involved. Common payment structures include:

  • Contingency fee: For many policyholders disputing claim denials or underpayments, lawyers work on a contingency basis. This means the lawyer only gets paid if they win or settle the case, taking a percentage (usually between 25% and 40%) of the recovered amount.
  • Hourly rate: For more complex or ongoing legal issues, such as bad faith lawsuits or business insurance disputes, insurance lawyers may charge an hourly rate. This rate varies depending on the lawyer’s experience and location.
  • Flat fee: For simpler matters, such as reviewing an insurance policy or helping file a claim, some lawyers charge a flat fee for their services.
  • Retainer: For businesses or clients with ongoing legal needs, an insurance lawyer may require a retainer fee, which is an upfront payment for future services.

It’s important to clarify the fee structure with your lawyer during the initial consultation to avoid unexpected costs.

How Much Does an Insurance Lawyer Cost?

The cost of hiring an insurance lawyer depends on the complexity of the case, the lawyer's experience, and the payment structure. General cost estimates include:

  • Contingency fees: If your lawyer works on a contingency fee basis, you won’t pay any fees upfront, but the lawyer will take a percentage (typically 25% to 40%) of any settlement or judgment awarded.
  • Hourly rates: Hourly rates for insurance lawyers generally range from $150 to $500 or more, depending on the lawyer’s experience and location. Complex cases involving bad faith or high-value business claims may require significant hours, leading to higher legal costs.
  • Flat fees: For specific services, such as reviewing an insurance policy, lawyers may charge a flat fee ranging from $500 to $2,500, depending on the complexity of the task.
  • Retainers: Businesses or individuals seeking ongoing insurance legal services may pay a retainer, which can range from $5,000 to $20,000 or more, depending on the lawyer and scope of work.

Make sure to discuss costs and payment structures with your lawyer before proceeding to understand how much the services will cost.

Top Questions to Ask an Insurance Lawyer

Before hiring an insurance lawyer, it’s important to ask the right questions to ensure they are the right fit for your case. Here are key questions to ask:

  1. What experience do you have with insurance law?
    Ensure the lawyer has specific experience handling cases involving your type of insurance, whether it’s auto, health, home, or business-related.
  2. How do you charge for your services?
    Clarify whether the lawyer works on contingency, hourly rates, or flat fees, and ask for an estimate of the total cost of your case.
  3. What is your success rate with insurance disputes?
    Ask about the lawyer’s track record in winning or settling cases similar to yours.
  4. What are my chances of success?
    A good lawyer will provide an honest assessment of your case’s strengths and weaknesses and outline the possible outcomes.
  5. How long will the process take?
    Get an estimate of how long it will take to resolve your claim or dispute, as some cases can extend over months or even years.
  6. Will you handle my case personally?
    In larger firms, junior attorneys or paralegals may handle some aspects of your case. Make sure you know who will be managing your case.

How to Check the Credibility of an Insurance Lawyer

To ensure you’re hiring a reputable insurance lawyer, take the following steps to verify their credentials and experience:

  • Verify their state bar license: Check with your state bar association to confirm the lawyer is licensed and in good standing with no disciplinary actions.
  • Review their experience in insurance law: Look at the lawyer’s website or professional profile to ensure they specialize in insurance law and have experience with cases like yours.
  • Read client reviews and testimonials: Search for reviews on platforms like Avvo, Martindale-Hubbell, or Google to see what previous clients have said about the lawyer’s expertise and professionalism.
  • Ask for references: A credible lawyer should be able to provide references from past clients who have dealt with similar insurance issues.
  • Check for industry memberships: Membership in organizations like the American Bar Association’s Tort Trial and Insurance Practice Section (TIPS) can indicate the lawyer’s focus on insurance law.

What Should I Prepare for My First Consultation?

To make the most out of your first consultation with an insurance lawyer, come prepared with the following documents and information:

  • A copy of your insurance policy: Bring the policy related to your claim or dispute so the lawyer can review the coverage details.
  • Any correspondence with the insurance company: Provide copies of letters, emails, or other communications between you and your insurer regarding the claim or denial.
  • Proof of claim and supporting documents: Bring any documentation you have submitted with your claim, including receipts, invoices, photos, medical records, or repair estimates.
  • List of questions: Prepare a list of questions you want to ask about your case, the legal process, and the potential outcomes.
  • Timeline of events: Be ready to provide a clear timeline of the incident that led to the claim and any steps you’ve taken with your insurance company.

By preparing thoroughly for your consultation, you can ensure that the lawyer has all the information they need to assess your case and provide the best legal advice.

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