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Honolulu Insurance Companies Do Not Have Your Best Interests At Heart

When you pay for coverage, you deserve to receive the benefits promised in your policy. Unfortunately, insurance companies often delay or deny claims without valid reasons. That’s where a Hawaii insurance claims lawyer from our office can help. We take the time to review your insurance policies, explain what’s covered, and take legal action when needed.

If your insurance company refuses to pay what you’re owed, you’re not alone. At Recovery Law Center in Honolulu, we help people across Hawaii who are dealing with denied insurance claims or slow payments. Our lawyers work with individuals, families, and businesses to resolve issues with insurance coverage disputes and unfair treatment.

We handle a wide range of insurance claims, including life insurance, health insurance, property damage, and business interruption. If your claim has been denied or delayed, call our legal team today for a free consultation. We’ll help you understand your rights and pursue the payment you’re entitled to.

Insurance Companies and Their Obligations Under Hawaii Law

Insurance adjuster filling out a claim form on a clipboard while inspecting damage to a blue car

Insurance companies must follow clear rules when handling claims. Under Hawaii law, they are expected to investigate promptly, respond to communication in a timely way, and pay valid claims without delay. If they fail to meet these obligations, you may have a claim for bad faith.

Bad faith occurs when insurers deny a claim without a reasonable basis, ignore supporting documents, or make unnecessary delays. In some cases, they may misrepresent what is covered in your policy. These practices are illegal and can cause serious harm to clients who are already dealing with injury or loss.

At Recovery Law Center, we review whether your insurer met its responsibilities. If not, we can help you pursue compensation beyond the original claim, including for emotional distress or added financial hardship.

If your issue involves life insurance, personal injury protection, or commercial insurance, we’re ready to assist you. We help clients across Honolulu and throughout the state of Hawaii hold insurance companies accountable under the law.

How a Hawaii Insurance Claims Lawyer at Recovery Law Center Can Assist You

At Recovery Law Center, we help individuals and families across Hawaii who are facing challenges with insurance companies. Here’s how our team supports you at each step, using real legal experience and a client-first approach:

We review your policy in full: Every insurance claim starts with understanding what your coverage includes. We examine your policy carefully and explain your rights in plain language.
We help with denied claims: If your life insurance, health insurance, or property claim has been rejected, we investigate why and identify if the denial was unfair or done in bad faith.
We assist with the full claims process: From gathering documents to submitting forms, we help clients file strong insurance claims and respond to insurer requests.
We negotiate with insurance companies: Our attorneys have significant experience working with insurers and know how to push for a fair outcome.
We go to court if needed: If your case cannot be resolved through communication, we are prepared to represent you in district court to pursue what you’re rightfully owed.
We prioritize fair treatment: Insurance law requires insurers to act in good faith. When they don’t, we take legal action to protect your rights.
We bring real legal knowledge to your case: With years of hands-on work handling insurance disputes in Hawaii, our firm knows how to navigate the process and fight for payment.
We build trust through transparency: You’ll always know where your case stands. We keep clients informed, answer questions, and provide honest advice.
We focus on real results: Our goal is not just to file paperwork—it’s to help you recover the benefits you paid for and move forward with peace of mind.

Time Limit for Filing Car Accident Lawsuit In Hawaii

Types of Insurance Disputes We Handle in Hawaii

Our attorneys handle many types of insurance claims for individuals, families, and businesses. Common cases include:

Denied life insurance claims
Disputes over health insurance coverage
Personal injury protection disagreements following auto accidents

If your insurance company won’t pay for needed medical care or is delaying payment, we can help challenge that decision. In cases involving serious injury, the stakes are even higher. You may be left without coverage for surgeries, therapy, or lost wages. Our team helps ensure that you receive the benefits your policy provides.

We also handle coverage disputes in natural disaster claims, including damage to homes and businesses. After events like hurricanes or flooding, many clients face lowball offers or denied claims. These situations can lead to property damage going unrepaired and business losses adding up.

Our firm also works on commercial litigation matters involving larger claims, business interruption, and excess policies. No matter the type of insurance dispute, our goal is to make the process clear and help you move forward.

The Financial Impact of Denied or Delayed Claims

Close-up of two people reviewing and pointing at details on an insurance document When an insurance claim is denied, the financial toll can be serious. Medical bills may go unpaid. Repairs are delayed. Families face stress while trying to cover costs that should have been handled by insurance. These issues often affect people who are already in a challenging situation.

We help clients pursue payment for the full value of their claims. That can include direct costs like bills and lost wages, as well as indirect costs from delays or stress. If the insurer acted in bad faith, additional damages may apply.

For example, if an insurance company ignores medical evidence or refuses to pay without a good reason, you may be entitled to more than just the original payment. We work to ensure our clients receive maximum compensation under the law.

If your claim involves personal injury, health insurance, property loss, or business interruption, talk to us. The longer a claim goes unpaid, the harder it becomes to recover. We’ll help you act quickly and confidently.

Court Process and Insurance Law in Hawaii

If a fair resolution can’t be reached through negotiation, we’re prepared to file a lawsuit. This means going to district court and presenting your case with documents, testimony, and legal arguments. While many claims are resolved before trial, we are ready to go the distance when necessary. The court process involves several steps:

Filing the complaint
Responding to motions
Gathering evidence
Preparing for hearings or trials

Our personal injury attorneys manage each part of this process and keep you informed along the way. We have represented clients in both individual and commercial litigation. Whether your case involves property damage, denied health coverage, or a personal injury claim, we understand the insurance laws that apply in Hawaii.

If your case is already in progress and you need new legal help, we can review what’s happened and help you move forward. We’re also familiar with deadlines and appeal rules that could affect your case.

We Represent Clients Across Many Practice Areas

Injured woman with an arm sling and crutches sitting on a couch, covering her face while speaking with another woman

At Recovery Law Center, our personal injury work is closely connected to the insurance process. If you’ve been injured, your recovery often depends on what your insurance covers and how your claim is handled. Here’s how we assist:

Auto accident claims and PIP coverage: We represent individuals injured in car crashes, helping them access personal injury protection (PIP) benefits to cover medical bills and lost wages.
Slip-and-fall injuries and property liability claims: If you were hurt on someone else’s property, we can help you file a personal injury claim and deal with the property owner’s insurance carrier.
Motorcycle and pedestrian injury claims: These injuries can be severe. We assist in securing compensation through the at-fault party’s liability insurance and explore uninsured or underinsured motorist coverage when needed.
Health insurance disputes related to injury care: After a personal injury, health insurers sometimes deny coverage for procedures or rehab. We help challenge those denials and ensure bills are paid correctly.
Medical malpractice and insurance compensation: In cases involving hospital or provider negligence, we coordinate with malpractice insurers to pursue fair recovery for the harm caused.
Wrongful death cases and life insurance denial: We assist surviving family members in seeking compensation from both liability insurance and life insurance policies, especially when claims are delayed or denied.
Claims involving multiple parties or insurers: When accidents involve more than one at-fault person or several coverage layers, we organize the claims process and work with co-counsel when necessary.
Experience across personal injury and insurance law: Our team includes attorneys educated at Florida Coastal School, Dickinson School, and Lee University School. We are members of the American Association for Justice and have presented on injury and insurance-related topics.
Clear guidance for every client: We make sure injured clients understand how insurance coverage applies to their case and help them avoid common mistakes that lead to denied claims.

Each personal injury case is different, but insurance is always part of the process. Our firm is here to help you receive proper medical care and full compensation from every policy that applies.

What to Do If Your Insurance Claim Is Denied in Hawaii

If your insurance company denies your claim, you still have options. Recovery Law Center has helped many individuals and families in Hawaii take the right next steps after a denial. Here’s how we apply our experience and legal knowledge to guide you:

Request a Written Explanation From the Insurance Company

You have the right to know why your claim was denied. The first step is to ask your insurance company for a detailed written explanation. This helps determine if the decision was based on an error, policy issue, or missing documentation.

Gather Your Insurance Documents and Supporting Records

To build a strong case, we recommend collecting all documents related to your policy and your claim. This may include your insurance contract, medical records, repair estimates, accident reports, and any communication from your insurer.

Let Our Legal Team Review the Denial and Your Policy

Our attorneys have handled many denied life insurance and health insurance claims across Hawaii. We closely review the denial letter, analyze your insurance coverage, and check whether the denial was lawful or based on a misinterpretation.

Identify If the Denial Was in Bad Faith

Some insurance companies deny valid claims unfairly. If the denial was unreasonable or made without a proper investigation, it may qualify as bad faith. Our legal team can help you take action to hold the insurer accountable.

Appeal the Decision or File Legal Action if Needed

If your insurer refuses to reconsider your claim, we can assist with a formal appeal or take legal action in district court. Our law firm is experienced in handling coverage disputes and standing up to insurance companies.

Don’t Wait. Deadlines Apply to Most Insurance Appeals

Insurance claims in Hawaii often involve deadlines. Missing one can hurt your case. We recommend contacting us as soon as possible so we can review your situation and help you avoid costly delays.

Schedule a Free Consultation With Our Honolulu Law Office

Our team at Recovery Law Center is ready to help. If your claim has been denied, contact us for a free consultation. We’ll explain your legal rights and help you understand your next steps. You don’t have to face this process alone.

Call Our Hawaii Insurance Claims Lawyer Today

If your insurance claim has been denied or delayed, don’t wait. Contact Recovery Law Center in Honolulu today. We help clients across Hawaii resolve disputes with insurance companies and recover the benefits they are owed.

Our attorneys handle claims involving personal injury, denied life insurance, health insurance problems, and more. Whether your issue is small or complex, we’re here to assist.

We offer a free consultation to review your claim, explain your rights, and help you plan the next step. There’s no obligation to hire us after the consultation. If we move forward, we only get paid when you do.

Let us review your insurance policy, investigate your claim, and seek the payment you deserve. Call us (808) 435-7015 today to speak with a Hawaii insurance claims lawyer at Recovery Law Center.

Never gave up on me. Always made sure I was getting better. Kept in touch by mail and telephone calls. I would recommend anyone who needs an attorney to Mr. Glenn Honda.

Charlene Wong

There are no words that can humbly express my sincerest core of gratitude to Mr. Honda & his staff! I honestly didn’t know what I was getting myself into so I kept my faith strong & put my trust in Mr. Honda & his staff. Quite frankly, I had moments of doubts but in prayer I sought my strength & just let it go. Now, I have closure and can move forward in my life journey with increased faith, patience, and hope. In closing, I hope if you ever need an attorney, I highly & truly recommend Mr. Glenn Honda & his staff...THEY ALL CARE AND ARE WITH YOU IN YOUR RECOVERY THANK YOU AGAIN MR. HONDA & STAFF ❣️RECOVERY LAW CENTER DESERVES THE MOON & STARS FOR THEIR SPLENDID SERVICE

Janice Joshua

Excellent service provided by Mr. Honda and his paralegal team—Jolie, George & Jennifer!! I highly recommend this firm to anyone seeking help from a law firm.

Raelene Balidoy

Glenn and his team did an awesome job on my case. He made sure I was taken care of the whole time and made me feel comfortable throughout the entire process. Thank you for handling my claim. I highly recommend hiring Glenn and his team for your personal injury case.

Karissa Epstein

Glenn Honda and the staff at Recovery Law helped me through one of the toughest times I experienced when my 15 year old was involved in a head on collision, and she was the passenger. I had so many question and concerns with her medical/therapy bills that seemed never ending. Recovery Law kept me informed throughout the process what to expect with the bills and got me through a tough time. My Attorney Glenn Honda fought hard for my daughter and kept her (and my) best interest always in the forefront. Recovery Law, and staff, went above and beyond to ensure the outcome was a positive one. Recovery Law and Glenn Honda made us feel like family and we trusted them wholeheartedly. As a mother, you always want the best for your children, and using Recovery Law during this troubling time was the best decision I made for my daughter and our family. I would recommend Recover Law, Glenn Honda to anyone who needs a strong advocate for either yourself, or your family member(s). Glenn Honda is truly a man who believes in justice.

Bernadette Wong

Experienced Hawaii Insurance Claims Lawyer