As insurance companies have changed their focus from protecting policy holders to enriching shareholders, there seem to be more disputes with insurers. Where liability claims (like automobile collisions, slip and falls, etc.) were the overwhelming majority of claims several years ago, this has changed. Today, many insurance companies will take your premiums as long as you are well, but cancel your policy if you have a serious health issue, claiming a misrepresentation in the application. It is strange that the misrepresentation doesn’t bother the insurers if you remain healthy!
Another common issue is the insurer’s denial of benefits for injuries caused by covered claims, even when the treating physician confirms that the injury was caused by the claim. When the claims adjuster’s “diagnosis” is insufficient to discourage you, he hires a doctor, often a retired doctor relying exclusively on insurance companies for his income, or an insurance medical exam “mill” where the doctors often do not even meet with the patient, to provide him with the “diagnosis” the insurer is paying them for. These cases require legal help to resolve.