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Bad Faith Insurance Claims Attorney Near Me

Bad Faith Insurance Claims Attorney Near Me

You have probably heard the term ‘bad faith’ used in the insurance world, but you may not know exactly what it means or how it could affect your insurance claim. To put it simply, an insurance company has the legal obligation to act in a manner that is considered good faith when it handles insurance claims. This means that it must conduct a prompt and fair investigation and take steps to settle the claims. When the insurer fails to do this, without a justifiable excuse, it is considered acting in bad faith.  If this happens to you, this means that you may be entitled to additional compensation and you should contact our Bad Faith Insurance Claims Attorney.

Determining the Relationship

Your ability to recover damages from a bad faith claim depends on the relationship you have with your insurer. When it comes to your insurance company, they have a contractual duty to act in good faith when they handle your claim. However, you do not have a contractual relationship with an insurance company that is handling your claim if that company is not providing coverage to you specifically.

For example, if you are in a car accident and the other driver is at fault, you must file the claim against the other driver’s insurance company. You are not the party insured under this policy, which means there is no contractual relationship between you and that company. This means the company has no duty to act in good faith while handling your claim.

Examples of Bad Faith

Although there are a variety of things that can be considered bad faith in the insurance world, the following are some examples of bad faith insurance acts:

  • Denying a car accident claim without a valid reason.
  • Delaying or not investigating a claim.
  • Delaying payment for a claim. Insurance companies are required to pay you in a reasonable time limit and failing to do so may result in a bad faith insurance claim.
  • Offering less than the insurance claim is worth. Insurance companies often give lowball offers in the hopes that you will take less money than you should. This is legal, but if the company will not budge on their offer, it could result in a bad faith claim.
  • Refusing to pay a valid claim. If the accident is covered by the policy terms, your claim should get paid.
  • Failing to provide documentation. You have the right to request documentation regarding your claim from the insurance company. If they fail to provide such documentation in a reasonable time limit, they may be acting in bad faith.

Damages from Bad Faith Claims

Bad faith claims are not easily proven. However, if you and your bad faith insurance claim attorney can prove that an insurer has acted in bad faith, you may be entitled to additional damages. This compensation may include the following:

  • The amount of damages that were incurred as well as court fees and attorney costs.
  • A court order that enjoins the act or the failure to take action that the insured complained of.
  • Any additional relief that the court deems appropriate.

Contact a Bad Faith Insurance Claims Attorney Today

These types of claims are complex and hard to prove, which means that you need the expertise of an experienced Bad Faith Insurance Claims Lawyer on your side. Contact the attorneys at the Law Offices of J. Price McNamara to schedule a consultation today.

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