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31 Oct, 2024 by Ana cepeda
ZACH and John Paul are simply the best.
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05 Jul, 2024 by David terry
Amazing .. perfect .. and doesn’t play any games .. I got exactly what I wanted because of Emily .. I recommend her ..
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04 Jul, 2024 by Sal ser
Emily is hands down the best divorce/family court attorney. She has helped me with many issues. Custody, divorce, child support and the legal part of selling a house. She puts her heart into it, and she is the only attorney I completely trust...
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06 Jan, 2025 by Mister west
Had the pleasure of working with John Caffrey with regards to my legal issues. John is extremely diligent, professional, efficient, knowledgable, and was able to reduce my penalties to the bare minimum in a timely manner. His fees are more than fair considering the services he is able to provide whilst utilizing his decades of experience in law. If I am ever in need of any form of legal assistance again in the future, I will not hesitate to contact John Caffrey. Thank you again John!
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03 Jan, 2025 by L b
I highly recommend John Caffrey to anyone in need of exceptional legal representation. He handled my case, and I couldn’t be more grateful for the outcome. John Caffrey showed unmatched professionalism throughout this process. He was always on time for every meeting and court appearance as well as being organized in managing the details of my case. John showed that he actually cared about my situation and worked tirelessly to achieve the best possible resolution. John took his time out to walk me through my situation by making sure I was very informed about what was going on every step of the way. He always took time to address my concerns that I relayed to him. John is very good with his communication. If you’re looking for a lawyer who is reliable, genuinely cares about their clients, and will fight for a fair outcome John Caffrey is the one for you! I am overly thankful for his dedication and time that he has poured into my case. I would recommend him without ANY hesitation!
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23 Dec, 2024 by Marcanthony torres
I'd recommend John's services to anyone he explains everything in great detail and makes sure you have the best representation available.
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20 Dec, 2024 by Matthew gaeta
Thay were very professional in ther job handling my case for 9 11 found. Always keeping me informed about filing from the binning to the end and if needed still there I would recommend this law fern to handle your case
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11 Dec, 2024 by Vinny ruiz
Hansen & Rosasco done an excellent job representing me.thank you all and happy holidays
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18 Nov, 2024 by Merita buxheli
The are most wonderful and very educated people the works on this firm , the most important for them is to make their clients like me proud of what we did for our country and special this beautiful city on the day of attack. Thank you !!!
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20 Dec, 2024 by Matthew gaeta
Thay were very professional in ther job handling my case for 9 11 found. Always keeping me informed about filing from the binning to the end and if needed still there I would recommend this law fern to handle your case
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11 Dec, 2024 by Vinny ruiz
Hansen & Rosasco done an excellent job representing me.thank you all and happy holidays
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18 Nov, 2024 by Merita buxheli
The are most wonderful and very educated people the works on this firm , the most important for them is to make their clients like me proud of what we did for our country and special this beautiful city on the day of attack. Thank you !!!
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15 Dec, 2024 by Joe josph
This office was amazing with dealing with my car accident. I was informed every step of the way, I was also checked on. I would recommend 10/10
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12 Dec, 2024 by Tyler wilkins
The entire process was amazing and smooth. Mr. Palermo and his team are great. I highly recommend.
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06 Dec, 2024 by Michael ramos
Great service! Great team, very responsive. Highly recommend
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06 Jan, 2025 by Mister west
Had the pleasure of working with John Caffrey with regards to my legal issues. John is extremely diligent, professional, efficient, knowledgable, and was able to reduce my penalties to the bare minimum in a timely manner. His fees are more than fair considering the services he is able to provide whilst utilizing his decades of experience in law. If I am ever in need of any form of legal assistance again in the future, I will not hesitate to contact John Caffrey. Thank you again John!
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03 Jan, 2025 by L b
I highly recommend John Caffrey to anyone in need of exceptional legal representation. He handled my case, and I couldn’t be more grateful for the outcome. John Caffrey showed unmatched professionalism throughout this process. He was always on time for every meeting and court appearance as well as being organized in managing the details of my case. John showed that he actually cared about my situation and worked tirelessly to achieve the best possible resolution. John took his time out to walk me through my situation by making sure I was very informed about what was going on every step of the way. He always took time to address my concerns that I relayed to him. John is very good with his communication. If you’re looking for a lawyer who is reliable, genuinely cares about their clients, and will fight for a fair outcome John Caffrey is the one for you! I am overly thankful for his dedication and time that he has poured into my case. I would recommend him without ANY hesitation!
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23 Dec, 2024 by Marcanthony torres
I'd recommend John's services to anyone he explains everything in great detail and makes sure you have the best representation available.
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17 Apr, 2015 by Anonymous
Due to a ridiculous comedy of errors resulting in miscommunications between myself, my assigned hearing advocate, the NY office and the staff of Houston office, my ssd case was neither properly documented, understood, developed, nor argued. consequently I was awarded partially favorable, but only with an EOD that qualified me for SSI, not SSD as intended. Houston office did the best they could at the last minute, but were hamstrung due to NY office not communicating to them the details of my case in enough time for them to properly prepare. Houston office did not even have time to study my condition, read and comprehend medical evidence, prepare and submit a brief prior to the hearing due to lack of time to prep due to NY office miscommunicating regarding need to prepare and argue my ssd case concurrently with my ssi case. I talked to NY office staff yesterday and NY says the computer says they were arguing ssd and ssi concurrently, but houston office staff insists they were only aware they were arguing ssi, and therefore only prepared for ssi at the hearing.
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24 Jul, 2013 by Holly
Charles Binder, did NOTHING on my case for three full, long years! Charles won me a second denial from NJ Social Security Disability Admin. Otherwise, RUN! He only pays attention to cases that are high paying disability claims. He does not work, and does not return your calls. HE DOES NOT CARE ABOUT HIS CLIENTS! The only thing he has going for him is his 10 gallon Texas Cowboy hat. Charles employs college students and they always lose your case at least once! He added to my suffering! I feel he intentionally lost my case to increase my retro-pay by 5 years so he would stand to make more money...I fired him and ran for my life! SPARE YOURSELF MORE AGGRIVATION, DENIALS FROM DISABILITY, AND DO NOT HIRE HIM FOR DISABILITY OR VETERANS if you wish to win your case!
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FAQs
Questions? We have answers

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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