Bad Faith Insurance Claims
Every day, individuals have their insurance claims unfairly denied. When this occurs, it is often devastating because the insurance company that the individual trusted to provide them coverage when they need it most fails to do what they said they would. When this is done unjustifiably, individuals may be able to contest the denial of their claim in court on the basis of Bad Faith.
When an insurance company denies a policyholder’s claim, the first step of recourse is usually to appeal the denial. If that is unsuccessful, individuals have the option of obtaining counsel from an attorney. A consultation with an experienced attorney will help the policyholder determine whether or not they have a case strong enough for litigation. Individuals who have had a claim denied by an insurance company and would like legal advice, should give us a call today. We will review the case and if it is determined that your claim was denied in bad faith, we will offer appropriate counsel, which may include filing suit.
An insurer may have acted in bath faith if the policy in question doesn’t allow a claim to be denied based on the policyholders particular circumstance. When an insurer acts in a manner that is reckless and dismissive of the insured’s rights, this is also a case of bad faith. A failure to process a claim at all would also be characterized as an act of bad faith by the insurance company.
If an individual’s insurer fails to adhere to their stated policies and refuses to settle a case in a manner that they are contractually obligated to, it may be necessary to go to trial. In some instances, not only might the policy holder be awarded the money due to them under the terms of the policy, but they might also be awarded punitive damages. To increase the likelihood that an individual’s case turns out in a manner favorable to them, it is very important that they find a law firm that has a good working knowledge of the insurance laws in their particular state.
If you or someone you loved believes that their insurance company has acted in bad faith concerning a recent claim, and the appeals process has proven unsuccessful, contact us today. Insurance companies have a contractual duty to live up to the agreements they make with those that they insure. If they attempt to get out of paying claims altogether or offer customers low-ball payouts, they deserve to be challenged and forced to live up to their contractual agreements.
An attorney familiar with the insurance laws in the state in which you live, can walk you through the process of bringing suit against the insurance company to not only collect the money owed to you under your policy but perhaps additional monies for damages, attorney’s fees and courts costs. Give us a call (310) 478-7110. If we determine that you have a case, we will work tirelessly to help you recover the monies owed to you, as well as any additional monies allowed under the law.