Insurance Disputes & Denied Claims
When you pay for insurance, you expect protection — not resistance. Unfortunately, many insurers delay, underpay, or deny legitimate claims. Jonathon Homa represents clients whose insurance companies delay, deny, or underpay claims, including PIP disputes, UIM/UM denials, coverage-exclusion issues, and priority conflicts. He helps clients enforce their rights under Michigan insurance law and recover the benefits they are owed.
Common Types of Insurance Disputes
Insurance conflicts can arise under almost any policy type. JKH Law handles disputes involving:
Auto insurance — No-Fault (PIP) benefits, uninsured (UM) and underinsured (UIM) motorist coverage, and liability disputes.
Homeowners and property claims — fire, storm, water, or vandalism damage.
Commercial and business insurance — business-interruption, general liability, and professional-liability policies.
Health and disability insurance — denial of necessary medical or disability benefits.
Life insurance and accidental-death benefits — coverage disputes, beneficiary challenges, and policy lapse issues.
Bad-faith claim handling — unreasonable delay, denial without investigation, or failure to pay undisputed amounts.
Michigan Law on Insurance Duties
Under Michigan law, insurers owe policyholders a duty of good faith and fair dealing in processing and paying claims. While Michigan does not recognize a separate tort of “bad faith” for ordinary contract breaches, policyholders may recover extra-contractual damages where the insurer’s conduct is fraudulent, malicious, or in reckless disregard of the insured’s rights.
First-Party vs. Third-Party Claims
JKH Law handles both categories, ensuring you receive the full protection and compensation your policy provides.
What Constitutes Bad Faith Conduct
Examples of insurer misconduct may include:
If an insurer violates these duties, JKH Law will pursue legal remedies, including penalty interest, attorney fees where available, and full compensation for your losses.
Our Approach to Insurance Litigation
Our goal is simple: to enforce your rights and restore the protection you paid for. We provide direct, responsive representation focused on results — not red tape.
If your insurance claim has been denied, delayed, or undervalued, contact JKH Law for a confidential consultation.
We’ll review your policy, evaluate your claim, and help you pursue the compensation you deserve.
JKH Law, PLC
312 Fulton Street East
Grand Rapids, MI 49503
(616) 226-3762 (office)
(616) 988-6504 (fax)
info@jkhlawfirm.com
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