Michael B. Horrow is the managing partner of the Consumer Litigation Department of Donahue & Horrow LLP. He represents insurance policyholders who have been denied their insurance benefits in a variety of cases. He fights for you- the consumer- to make the insurance company pay the proper benefits on a claim and any damages caused by a wrongful and bad faith denial of the claim. These are benefits that belong to you.
As we all know, insurance is a promise. When that promise is broken, it can have devastating effects. As an insured, you are at the mercy of the powerful insurance companies and when they decide to deny your valid claim, you may be left with no money or benefits to pay your rent or mortgage, put clothes on the backs of your children or food on the table. Your lifestyle may be forever altered by some insurance claim adjuster- located outside of California- with no real concern for you or the well being of your family.
With a particular emphasis in disability, life and health insurance litigation- Mr. Horrow has fought successfully against the biggest insurance companies and won- including AIG, UNUM Provident, MetLife, AETNA, Hartford, F & G Life, CIGNA, Life insurance Company of North America, State Farm, Farmers, Prudential, Trustmark, Paul Revere, UNUM Life, Provident, Mass Mutual and Mass Casualty.
Mr. Horrow has recovered millions of dollars on claims like these:
- Denial of individually purchased disability insurance benefits - including denials of ERISA disability benefits
- Denial of health insurance benefits including a failure to pay insurance bills AFTER the insurance company has approved a procedure or surgery.
- Denial of life insurance claims.
- Denial of long term care insurance claims.
- Denial or delay of property insurance claims including underpayment of the claim.
- Denial or delay in payment of uninsured motorist claims.
Michael B. Horrow is AV rated as a lawyer, the highest distinction for lawyers recognizing both ability and ethics. He was voted a Southern California SuperLawyer by his peers and before a SuperLawyer "Rising Star". He has tried lawsuits in State and Federal Courts throughout California and lectured on issues of insurance coverage and insurance bad faith to the ABA and various other prominent consumer organizations. From 1998 to today, the sole focus of Mr. Horrow's practice has been in insurance bad faith.
Since he began representing consumers exclusively, Mr. Horrow has recovered millions of dollars for his clients against insurance companies. He is widely considered an expert in the field of disability, life and health insurance bad faith.
Mr. Horrow is a 1989 graduate of Pennsylvania State University with a Bachelor of Science degree in Real Estate and Finance. After graduating from California Western School of Law in 1992, Mr. Horrow practiced insurance defense litigation where he learned the inner workings of how injury, medical malpractice and insurance cases are defended. In 1998, Mr. Horrow began representing consumers when he joined Shernoff, Bidart and Darras LLP. He became a partner of the law firm before starting Donahue & Horrow LLP.
Litigating against an insurance company can be costly and require substantial resources. Donahue & Horrow LLP is committed to selecting only the cases where we know we can make a difference for the consumer. We invite you to see how we can make a difference for you.