Insurance Coverage Disputes
in Georgia
When you’ve paid your insurance premiums faithfully, you expect your coverage to protect you when it matters most. But too often, insurance companies delay, deny, or underpay legitimate claims—leaving you to deal with mounting bills and broken promises.
At Brandon Smith Law, we stand up to insurers who put profits before people. Whether your claim involves property damage, a car accident, medical expenses, or a business loss, our Metro Atlanta insurance dispute lawyers fight to make sure your insurer keeps its word.
When Insurance Companies Break Their Promises
Insurance should provide peace of mind—not a new battle. Unfortunately, some insurers use red tape, vague policies, and bad faith tactics to avoid paying fair claims.
Common examples include:
Denied or delayed claims without valid explanation
Lowball settlement offers that don’t cover actual losses
Policy cancellations or coverage disputes after filing
Unfair interpretations of fine print or exclusions
Failure to defend or indemnify in liability cases
When insurance companies refuse to act in good faith, Brandon Smith Law steps in to demand accountability and full compensation.
Types of Insurance Disputes We Handle
We represent individuals and businesses in Metro Atlanta with disputes across a wide range of policies and coverage types:
Personal Insurance Claims
Auto accident and uninsured motorist coverage
Homeowner’s or renter’s insurance
Life, disability, and health insurance denials
Personal injury protection (PIP) disputes
Commercial & Business Claims
Property and casualty coverage
Business interruption or income loss
Professional liability (E&O) and malpractice coverage
General commercial and D&O liability
Specialized Claims
Fire, storm, or flood damage
Theft, vandalism, or fraud allegations
Construction and builder’s risk insurance
Whatever the policy, our mission is simple: ensure you receive the protection you paid for.
Understanding Insurance Bad Faith
Under Georgia law, insurers must act with good faith and fair dealing. When they don’t—by delaying, denying, or mishandling your claim—they may be liable for bad faith.
Examples include:
Failing to investigate promptly or thoroughly
Misrepresenting policy terms
Ignoring communications or withholding updates
Offering settlements far below fair value
Retaliating against you for filing a claim
If your insurer acts in bad faith, Georgia law (O.C.G.A. § 33-4-6) allows you to seek not only your full claim amount, but also additional damages and attorney’s fees.
We use these laws to level the playing field—and to send a clear message: insurance misconduct won’t be tolerated.
Steps to Protect Yourself During a Coverage Dispute
If your insurer is delaying or denying your claim, these steps can strengthen your position:
Document everything. Keep detailed records of correspondence, calls, and claim documents.
Request written explanations. Ask for the insurer’s reasons for denial or delay.
Don’t sign anything—or accept partial payments—without legal review.
Preserve all evidence. Save photos, estimates, receipts, and inspection reports.
Avoid recorded statements unless advised by your attorney.
Call Brandon Smith Law. We’ll review your policy, assess your case, and fight for the coverage you’re owed.
You don’t have to take on a billion-dollar insurance company alone—we do this every day for Georgia policyholders.
Why Insurance Disputes Require Skilled Legal Help
Insurance policies are written in complex, strategic language designed to protect the insurer—not you. Our attorneys know how to interpret this fine print and challenge tactics meant to wear you down.
Common challenges include:
Ambiguous or misleading policy terms
Hidden exclusions buried in the fine print
Complex filing procedures or short deadlines
Undervalued property, injury, or business losses
Intimidation tactics from adjusters or legal teams
At Brandon Smith Law, we speak the insurer’s language—and use it to your advantage. Our team builds airtight cases that expose wrongdoing and demand results.
Your Rights and Potential Compensation
When an insurer violates your policy or acts in bad faith, you may recover several types of damages:
Contractual Damages
The full amount owed under your policy
Bad Faith Damages
(Georgia Law)
Up to 50% of the claim’s value or $5,000, whichever is greater
Attorney’s fees and litigation costs
Additional Damages
Compensation for financial stress or hardship
Punitive damages for willful or malicious conduct
Georgia’s Insurance Code (O.C.G.A. Title 33) requires insurers to act promptly, investigate fairly, and provide written explanations for denials. If they don’t, Brandon Smith Law ensures they’re held to the letter of the law.
The Brandon Smith Law Advantage
Choosing the right law firm can make all the difference. Here’s what sets Brandon Smith Law apart:
Proven Results
Millions recovered for injured clients through skillful advocacy and relentless pursuit of justice.
Comprehensive Resources
Extensive legal insight and support across injury, liability, civil, and workplace cases.
Compassionate Representation
Guiding you with care and understanding through every step of your recovery and legal journey.
Clear Communication
Keeping you informed with honest updates, plain answers, and full transparency at every turn.
No Upfront Fees
You pay nothing unless we win—our success is measured by the justice we achieve for you.
Take Action — Get the Coverage You Deserve
Insurance companies count on people giving up. Don’t let that happen.
If your insurer denied, delayed, or underpaid your claim, Brandon Smith Law is ready to fight back. Call Today for a Free Case Evaluation
📞 (678) 831-5278
📍 Office: 5425 Peachtree Pkwy NW, Peachtree Corners, GA 30092
🕒 Hours: Monday–Friday, 8:30 AM – 5:00 PM
You paid for protection—now let Brandon Smith Law make sure you get it.
