St. Louis Insurance Denial Lawyer
You’ve paid your premiums on time, trusted your insurance provider, and done everything right. Then when disaster strikes — your claim is denied, delayed, or underpaid. This happens every day, and too often, policyholders give up. But under Missouri law, insurance companies are required to act in good faith — and when they don’t, you can fight back.
At Eccher Law Group, we represent individuals and businesses who have been wronged by their insurers. We make sure the company that promised to protect you is held accountable when it matters most.
When the Insurance Company Says “No” — We Say “Not So Fast.”
Time is of the essence! Call us 24/7 or request a free consultation online. Immediate help is available.
Types of Insurance Denial Cases We Handle
Our civil litigation team fights on behalf of policyholders in disputes involving:
Homeowner’s Insurance Denials
Fire, water, theft, or storm damage claims wrongfully denied or undervalued.Health Insurance & Medical Claims
Denials for “lack of medical necessity,” pre-existing conditions, or out-of-network care.Auto Insurance Claims
Wrongful denial of coverage, underpayment after accidents, or failure to defend in liability claims.Disability & Life Insurance Claims
Unreasonable delays, rescinded policies, or denied benefits after years of premium payments.Commercial & Business Policies
Denied business interruption, property damage, or professional liability claims.
Understanding “Bad Faith”
Insurance companies have a legal duty to act fairly and handle claims honestly. When they delay payment without reason, misrepresent policy terms, or force you into endless appeals, that can amount to bad faith.
Examples of bad faith behavior include:
Failing to properly investigate your claim
Ignoring or misrepresenting evidence
Making “lowball” settlement offers
Denying coverage without a clear explanation
Refusing to communicate or provide required documentation
If any of this sounds familiar, you may have a valid insurance bad faith claim under Missouri law.
Our Approach: Strategic Pressure, Real Results
We start by cutting through the delay tactics and excuses.
Our process includes:
Policy Review & Claim Investigation — We analyze every line of your policy and correspondence to identify violations.
Demand for Payment — We issue a formal demand outlining the insurer’s failures and the legal remedies available.
Negotiation or Litigation — If the company refuses to act in good faith, we file suit and pursue compensatory and punitive damages.
Transparency & Communication — You’ll always know where your claim stands and what comes next.
Our goal is simple: get you the coverage, compensation, and justice you were promised.
Recent Results & Client Stories
Home Fire Claim — Denial Overturned: Secured full policy payout plus attorney’s fees after insurer wrongly blamed homeowner for damage.
Medical Claim Reversal: Achieved full reimbursement after exposing insurer’s use of outdated “non-covered” coding.
Commercial Property Loss: Negotiated six-figure settlement for a small business after an insurer delayed payment for over a year.
“They made the insurance company pay what was owed — and then some.”
— Former Client, St. Louis
Why Choose The St. Louis Firm
Proven experience in insurance bad faith litigation
Skilled negotiators with a strong record of forcing fair settlements
Full transparency and communication from start to finish
We don’t back down from powerful insurance companies — we confront them
Take Action Before It’s Too Late
Insurance companies count on delay. The longer they stall, the less likely policyholders are to fight back. Missouri law limits the time you have to act.
📞 Call (314) 293-3033 for a free policy review and consultation
📩 Or submit your claim denial online — we’ll review your documents and contact you right away.
Call us 24/7 or request a free consultation online. Immediate help is available.