What To Do If You Think Your Insurer Acted In Bad Faith

If you have insurance, and your insurance company wrongfully denies your claim, you may have a case against your insurer for bad faith. There are various legitimate reasons why an insurance company can deny your claim, such as if your claim is fraudulent or without merit or you did not follow the terms of your policy. However, if none of these circumstances apply, you may want to consider filing a claim. Below are some general guidelines about when to file a claim and what you should do if you suspect your insurance company has acted in bad faith.

When Should I File My Insurance Claim?

If you have experienced a loss, whether it's damage to your car, your home or your personal property, it is best to file a claim with your insurer as soon as possible. Get in touch with your carrier promptly and go over your policy. Keep a record of whom you spoke with, the date and time of the conversation and the content of that conversation.

What Should I Do If I Believe My Insurer Is Acting In Bad Faith?

If you have submitted a claim to your insurance company and you believe the claim has been improperly denied, contact your carrier's Director of Claims department. Get a mailing address and send a letter detailing why you believe your claim is a legitimate claim. Also, get in touch with your state's Department of Insurance Commissioner and ask for your case to be reviewed. If the matter does not get resolved, it's time to speak with a qualified attorney.

What Do I Do Once I've Spoken With An Attorney?

Once you've spoken to an attorney, you can contact your insurer to let it know that you have obtained counsel and are prepared to sue should it continue to wrongfully refuse to pay out your claim. Your attorney may attempt to negotiate a settlement. If your insurer is still not cooperating, your attorney will inform your carrier that a lawsuit will be brought against them.

What Damages Will I Be Able To Recover If I Prevail?

If you prevail in your lawsuit against your insurer, you may recover the original claim plus all other damages and losses incurred due to the bogus refusal to pay the claim. You're also likely to be awarded your attorney fees and some compensation for any emotional distress you suffered.

Where Should I Go For Help?

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 our contact form or call us at 713-352-7883 or 877-643-3099 toll free.