Short & Long Term Disability Insurance:  These claims are often times the most scrutinized by insurers, as they generally want to assume that some one is always able to work under any circumstances.  If you however, are genuinely hurt and therefore unable to work full and or part time, you can challenge the insurers decision not to cover you.  

      Life Insurance:  Not many people know that under the right circumstances they can use their life insurance before they even pass away.  For example, if you or a loved on are terminally ill or very elderly, there are ways in which to cash out some of the value of your policy before the policyholder even passes away.  These claims are sometimes referred to as "Viatical Settlements."

      Health Insurance:   Health Insurance Companies regularly engage in wrongful reductions and wholesale denials of claims for medical treatment.   You should, however, always question these decisions before deciding to simply pay out of pocket.

      Home Owner's Insurance:   Insurance Losses ranging from sink holes to hurricane damages are among some of the more common disputes between home owners and their home insurers.  A competent legal analysis can certainly make the difference between a fully covered claim and a substantially denied one. 

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Attorney Erik A. Gillespie personally provides consumers with free legal advice any day of the week.