Services
Insurance Disputes
Protecting your position in insurance disputes, whether your claim has been denied or reduced, or an insurer is seeking to recover money from you.
Overview
Protecting your position in insurance disputes.
Insurance disputes can be stressful, particularly when you are faced with a denied claim, a reduced payout, or an insurer seeking to recover money from you as a third party. Understanding your rights and obligations is critical to protecting your financial position.
R B Law assists individuals and businesses in navigating disputes with insurers and ensuring that claims are assessed fairly and in accordance with the law and the terms of the policy. Whether your insurer has declined your claim, reduced the amount payable, delayed a decision, or is alleging that you are responsible for damage or loss suffered by another party, I provide practical advice and strategic representation to help you pursue the best available outcome.
Policyholders
Your claim was denied, reduced or delayed
I'll review the policy, the evidence and the insurer's reasoning, and help you pursue the insurance benefits you believe you are entitled to.
Third parties
An insurer is seeking recovery from you
If an insurer alleges you are responsible for damage or loss suffered by their insured, I'll assess the claim and help you respond strategically.
How I can help
Our services include
Clear advice, careful analysis of the evidence and commercially focused strategies designed to protect your interests.
Challenging denied insurance claims
Disputes regarding reduced claim payments
Coverage and policy interpretation disputes
Recovery actions brought by insurers against third parties
Property damage and business loss claims
Negotiation with insurers and loss adjusters
Court and tribunal proceedings arising from insurance disputes
Internal dispute resolution and AFCA complaints
My approach
Levelling the playing field.
Insurance companies have significant resources and experience handling claims. Whether you are seeking the benefits you believe you're entitled to, or defending a recovery claim brought by an insurer, I work to achieve practical and cost-effective outcomes.
Common questions
Before you respond to your insurer
My insurance claim was denied. Can I challenge it?
Often, yes. The first step is to review the policy wording, the insurer's reasons and the evidence. If the decision doesn't stand up, there may be grounds to have it reviewed or to pursue the claim further.
An insurer is chasing me for money. What should I do?
Don't ignore it, and avoid admitting liability before getting advice. Recovery claims brought by insurers can often be negotiated or defended, depending on the facts and the evidence.
Why do you ask for the other party's details?
Before R B Law can advise you, I need to complete a conflict check. It's a simple process to confirm I haven't previously advised the other party, or another party connected with the dispute.
How long do I have to dispute an insurer's decision?
Time limits apply to complaints and court proceedings, and they vary depending on the policy and the steps already taken. Get advice as soon as possible after receiving a decision so your options remain open.
What documents should I gather?
Your policy schedule and wording, the claim form, any correspondence with the insurer or loss adjuster, photos, quotes or reports, and the insurer's decision letter. These allow the decision to be assessed against the policy terms quickly.
Do I have to accept the loss adjuster's assessment?
Not necessarily. A loss adjuster's assessment isn't the final word. If you believe it undervalues your loss or misapplies the policy, there may be grounds to challenge it with further evidence or independent reports.
Commercial Litigation
Resolving business and financial disputes with a focus on commercial outcomes.
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Recovering money owed to you, or defending a debt claim brought against you.
Learn MoreA Clear Starting Point
From $749
For up to 3 hours of dedicated legal work.
No surprises. No hidden costs.
Have your position assessed and take meaningful steps towards resolving your dispute, knowing exactly what the initial stage will cost before any work begins.
See What's Included
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