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Uninsured and Underinsured Claims


Insurance companies tend to be are highly profitable.  They often deny valid insurance claims that affect their profitability. We understand how these companies operate and what actions you have to take to receive the insurance benefits you rightfully expect and deserve. If your valid insurance claim has been wrongfully denied, please do not hesitate to call our experienced attorneys at 208-323-0024  to discuss your case in detail.  We provide free phone and in-person consultations.  If necessary, we can meet with you in your home.  There is never an attorney fee unless we obtain compensation for you. 

At the office of Storer & Steen, we only receive a fee if you win your case – so you have nothing to lose. We are at your side every step of the way.

Why Claims Are Denied

Insurance companies deny claims for many different reasons. They will interpret their policies and promises in ways that suit their needs and not their insureds' needs. Many insurance companies make it their goal to deny payments or at the very least minimize the amount of money they have to pay out for health care benefits that they are legally obligated to pay. It is important to carefully review your policy in order to understand the terms and conditions that may limit your ability to receive a payment. Far too often, the insured (you) are like David fighting Goliath (the insurance company and an army of attorneys).  When this happens, you need an attorney experienced in insurance company tactics to fight for you.   

Types of Insurance Claims That Are Denied

There are many types of insurance policies - homeowners and property insurance, health insurance, car insurance, life insurance, disability insurance, ERISA Claims, uninsured and underinsured motorist coverage, etc.   When coverage under any of these types of insurance is unreasonably denied, you may be able to file a claim to recover. If you have car insurance and you are involved in an auto accident, you may be eligible for compensation for property damage and for any injury you have sustained. If you have a medical billing insurance dispute or a life insurance dispute, a knowledgeable attorney can help you obtain the benefits you are entitled to.  Even if you are uncertain if you have a valid claim, it is safer for you to discuss your case with an experienced professional.

We can also help you with your Life Insurance Dispute or Medical Billing Insurance Dispute. In many cases, an insured who prevails is entitled to recover the attorney's fees and other incurred costs from the insurance company.

Dealing with an Insurance Company

It is usually best to talk to an insurance coverage dispute attorney before discussing your claim with your insurance company. Insurance providers usually record every conversation and take detailed notes about your answers. If you make an inadvertent mistake or say something that jeopardizes your claim, you could be denied insurance benefits, a settlement or the value of your claim can be greatly reduced or eliminated. Even though you should cooperate with your insurance company, you should also be extremely guarded and cautious. It is always best to discuss your case with an attorney before speaking with or sending information to an insurance company.

If your insurance company is being unfair with you or unreasonably denying or delaying a claim, you can fight right back with assistance of an experienced insurance dispute attorney. With more than 33 years of combined experience, the attorneys at Storer & Miner have been helping people with insurance disputes and accident victims recover the compensation they deserve. Please call Storer & Steen at 208-323-0024 for more information about what you need to do to handle your insurance dispute.

Medical Bills and Disputes With Doctors and Hospitals

Treatment for even minor injuries can end up costing more than anticipated. The high cost of medical treatment is the result of many complicated factors. In many cases, individuals may be kept in the dark about how much their medical treatment actually costs until after the treatment is done. Insurance companies can inflate claims and hospitals, doctors, chiropractors and therapists can make mistakes or deliberately overcharge. If you think you were overcharged for the medical treatment you received or you want to dispute a medical bill for any other reason, it is absolutely essential that you secure a attorney experience in handling such cases. Please do not hesitate to call our experienced attorneys at Storer & Steen at 208-323-0024  to discuss your case in detail.  We provide free phone and in-person consultations.  If necessary, we can meet with you in your home. 

Many times individuals will check their credit reports and find a medical bill he or she thought was paid long ago. The existence of an unpaid medical bill on your credit report can have a negative impact on your credit score, which can affect your life in a number of negative ways. A medical bill dispute may also arise out of a conflict between the treatment received and treatment an individual gets billed for. In these cases, either accidentally or intentionally, a hospital or medical professional will charge an individual for treatment or other medical expenses that he or she never received. In order to right these wrongs, legal action can and should be aggressively taken.  We have the training and know-how to understand the coding used by medical professionals and understand where deputes usually arise.

At Storer & Steen, we have a very strong background in health care and medical law and practices. We know what your treatment should cost and if you were billed for procedures that were not provided. When the treatment you paid or were billed for is not the same as the treatment you received, we are there to help you seek restitution. With 26 years of combined experience, we know the most direct approach to handling these types of cases. Do not let yourself be taken advantage of. Call Storer & Steen today 208-323-0024.

Medical Bills You Shouldn't Pay

In an unfair practice known as "balance billing," health-care providers go after patients for money they don't owe.  Typically this occurs when an insurance plan covers less than what a doctor, hospital, or lab service wants to be paid. The health-care provider demands the balance from the patient. Uncertain and fearing the calls of a collection agency, the unknowing patient pays up.  Medical providers count on the fact people will pay these bills because they don't have time or knowledge to figure it out.


Most consumers don't recognize that this common practice (balance billing) is often illegal. When doctors or hospitals think an insurer has reimbursed too little for treatment, state and federal laws generally prevent the medical providers from pressuring patients to pay the difference. Rather than going after the patient as an innocent victim of such disputes, doctors and hospitals should be dealing directly with the insurance company.

Balance billing most frequently happens when medical providers who participate in a managed-care network believe the plan's insurer is imposing too deep a discount on medical bills or is taking too long to pay. Forty seven states ban in-network providers from billing insured patients beyond co-payments or co-insurance required by their plan. Furthermore, federal law prohibits providers from billing Medicare patients for unpaid balances.

If you feel that an insurance claim has been wrongfully denied, you have been billed for services not provided, or you feel you are being billed for charges you are not responsible for, please do not hesitate to call our experienced attorneys at Storer & Steen at 208-323-0024  to discuss your case in detail.  We provide free phone and in-person consultations.  If necessary, we can meet with you in your home. 

Contact Us For A Free Case Evaluation

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Storer & Steen

4850 N. Rosepoint Way, Ste 104

Boise, Idaho 83713

You can always send us an email directly at:

Tel: 208-323-0024

Fax: 208-323-9730

Your road to recovery begins when you contact our office - we will protect your rights and fight for the compensation you deserve.  If we cannot take your case, we will send you to someone who can. 

​Hiring an attorney should be easy.  We keep it simple and straight forward. You recover from your injuries and we take care of the rest. We cover the costs of preparing your case including obtaining records and expenses for expert witnesses. And there is never an attorney fee until we win your case. 

​We pride ourselves on being available. We can meet at our office or at your home or hospital.  And once you hire us, we are always available to answer questions and explain your case progress.

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