When your property has been damaged, whether through a car accident, hurricane, fire or what have you, you depend on your insurance company to do their part and pay a fair and reasonable claim. However, this doesn’t always happen. Insurance bad faith is a more common problem than you may think.
You may have a general idea of what "bad faith" means, but the term has a technical meaning under the law. In the context of dealing with your own insurance, "bad faith" refers to when the insurance refuses to pay a claim without a reasonable basis or failing to properly investigate a claim in a timely manner. There are many different types of conduct that can constitute bad faith. Below is just a brief list:
- Deceptive practices or deliberate misrepresentations to avoid paying claims;
- Deliberate misinterpretation of records or policy language to avoid coverage;
- Unreasonable litigation conduct;
- Unreasonable delay in resolving a claim or failure to investigate;
- Use of improper standard to deny a claim;
- Arbitrary or unreasonable demands for proof of loss;
- Abusive or coercive tactics to settle a claim;
- Compelling an insured to contribute to the settlement;
- Failing to disclose policy limits and policy exclusions.
There is no need to be cheated out of a just claim because of deceptive tricks of the insurance trade. With nearly 30 years of experience going to the mat on behalf of damaged victims who battle insurance companies, our attorneys will not hesitate to file an insurance bad faith lawsuit, if necessary, in pursuit of the claim that you deserve. Our specialized experience and expertise will start working for you as soon as possible at no charge. For a free consultation, either use the electronic contact form on this page or call the law firm toll-free at 1-866-LAW-2400.