Experienced Montana Insurance Attorneys”

Insurance disputes can be complex and overwhelming, especially when you’re dealing with the aftermath of an accident, injury, or property damage. Whether you’re facing a denied claim, delayed payment, or an undervalued settlement, consulting a professional insurance attorney can be a smart move to protect your rights and ensure you get the rightful compensation that you deserve. This is where Bidegaray Law Firm, with our unique focus on Montana insurance disputes, comes into the picture. Our Montana insurance attorney can help you with an impressive track record of successfully handling insurance disputes and holding insurance companies accountable.

Our team includes experienced insurance attorneys with a wide range of insurance knowledge, including bad faith claims, denied claims, underpayment disputes, and policyholder rights. We understand insurance companies’ tactics to minimize payouts and are unwaveringly dedicated to fighting on your behalf to secure a fair and just resolution.

We work diligently to investigate the details of your case, gather the necessary evidence, and build a strong legal strategy tailored to your specific needs. When working on your case, we protect your rights and ensure you get the benefits you are entitled to, whether through negotiation, arbitration, or litigation, as per your insurance policy.

Insurance companies sometimes prioritize their bottom line over policyholders’ needs; this is wrong. Our Montana insurance attorney will be on your side to ensure you know that your rights will be protected. Our team of experts, with their extensive experience in dealing with insurance companies, is committed to providing personalized legal support and guiding you through every step of the process.

If you’re dealing with an insurance dispute in Montana, don’t face it alone. Contact Bidegaray Law Firm today at 406.522.7744 for a free consultation. Let our skilled insurance attorneys help you secure the compensation you deserve.

About Our Montana Insurance Attorneys: Bidegaray Law Firm knows how to deal with unfair insurance tactics. We understand the challenges and frustrations of insurance disputes. We have a team of expert Montana insurance attorneys dedicated to helping policyholders navigate the complexities of insurance law and ensuring their rights are protected. While working on your matter, we remain focused on ensuring you get the benefits you are entitled to from your insurance policy, and we have a strong track record of successfully representing clients across Montana in various insurance-related matters.

Insurance companies have a duty to act in good faith when handling claims, but they often engage in practices designed to delay, deny, or underpay legitimate claims. Our attorneys ensure the use of the most effective methods to ensure you are not a victim of an underpaid or denied insurance claim. As a specialist in the industry, we are committed to holding your insurance company accountable for their actions.

With a strong client-focused approach, Bidegaray Law Firm ensures you are prioritized. We understand that dealing with insurance companies can be tiring and hectic. But don’t worry; we’ll be on your side to keep the legal process as smooth and straightforward as possible. Our team will guide you through the process so you can have less stress.

Whether you are facing an insurance dispute in Montana or need assistance with your insurance policy, our team is here to help. Call 406.522.7744 for a free consultation.

Frequently Asked Questions

1. What are my rights if my insurance claim was unfairly denied? +

If your claim is denied, you have the right to a clear, written explanation citing the specific policy language used to justify the denial. You also have the right to challenge that decision. If the denial was unreasonable, you likely have grounds to file a lawsuit.

2. What constitutes "Insurance Bad Faith" in Montana? +

“Bad Faith” is defined by the Montana Unfair Trade Practices Act (UTPA). It is illegal for an insurer to:

    • Misrepresent facts or policy provisions.
    • Fail to acknowledge your communications promptly.
    • Deny a claim without conducting a reasonable investigation.
    • Force you to sue by offering substantially less than the claim is worth.
    • Fail to settle when liability has become reasonably clear. If they violate these rules, you can sue them for damages separate from your original accident claim.
3. Can I sue my insurance company for delaying payment without a valid reason? +

Yes. Montana law (MCA § 33-18-232) generally requires insurers to pay or deny a claim within 30 days of receiving a completed “proof of loss” (or 60 days if they reasonably request more information). If they drag their feet beyond these statutory deadlines without a valid excuse, they may be liable for interest penalties and bad faith damages.

4. Do I need a lawyer for a denied homeowner's or commercial insurance claim? +

Yes. Insurance policies are dense contracts filled with exclusions and “terms of art” designed to limit coverage. If your home suffered fire or hail damage, or your business had an interruption claim denied, the insurer will have a team of adjusters and lawyers arguing that the damage “isn’t covered.” You need a specialized insurance lawyer to interpret the contract, hire independent appraisers, and prove that the loss falls within your policy’s protection.

5. How do insurance lawyers get paid? Is it hourly or contingency? +

Bidegaray Law Firm handles insurance disputes on a contingency fee basis. You do not pay us an hourly rate or a retainer upfront. We only get paid a percentage of the settlement or verdict we recover for you. If we don’t win, you don’t pay our attorney’s fees. This allows you to fight multi-billion dollar insurance corporations without worrying about monthly legal bills.

6. What is the difference between an insurance dispute and a personal injury claim? +

A Personal Injury claim focuses on the accident itself (e.g., “The other driver hit me and caused my broken leg”). An Insurance Dispute (or Bad Faith claim) focuses on the insurance company’s conduct afterwards (e.g., “The insurance company lied about my coverage” or “They refused to pay my bill even though they admitted their driver was at fault”). It is possible for both claims to occur at the same time.

7. Can you help if the insurance offer is far too low to cover my damages? +

Sure. “Lowballing” is a very common tactic. Adjusters sometimes run the claim through a flawed software, or simply disregard medical evidence, to come up with an extremely low initial offer that they hope you’ll accept out of desperation. We respond to this by compiling a complete file that contains, among other things, independent medical re, assessments and future cost, of, living projections, to demonstrate that the real value of your claim is several times higher than their offer.

8. Does hiring an insurance lawyer mean I will definitely have to sue? +

Not necessarily. Often, just hiring a known litigation firm like Bidegaray Law Firm changes the insurance company’s behavior. When they realize you have professional representation willing to take them to trial, they often “re-evaluate” their position and offer a fair settlement to avoid the courtroom. However, if they refuse to be fair, we are fully prepared to file suit and proceed to trial.

9. What types of policies do you handle disputes for (Health, Auto, Home, Business)? +

We handle disputes across a wide range of insurance products, including:

    • Auto Insurance: (Uninsured/Underinsured Motorist, MedPay).
    • Homeowner’s Insurance: (Fire, Wind, Hail, Water Damage).
    • Commercial Liability: (Business Interruption, Construction Defects).
    • Life Insurance: (Wrongful denial of death benefits).
    • Disability Insurance: (Short-term and Long-term claim denials).
10. What documents do I need to bring for an insurance case evaluation? +

To give you the best advice, we need to see the “paper trail.” Please bring:

    • The Policy: A copy of your insurance policy (specifically the “Declarations Page”).
    • Correspondence: All denial letters, emails, and notes from phone calls with adjusters.
    • Proof of Loss: Photos of the damage, medical records, police reports, or repair estimates that you submitted to them.
    • The Offer: Any settlement offers they have made so far.