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New Orleans Bad-Faith Insurance Lawyer

New Orleans Bad-Faith Insurance Lawyer

While many employees rely upon short-term and long term disability insurance to provide income in the event of an illness or injury that leaves them unable to work, the companies that administer these policies often try to avoid paying benefits.

While some denials are for legitimate reasons, many applicants have their claims wrongfully denied in a way that violates the law in Louisiana. Consequently, an applicant who receives a wrongful denial on a disability claim may have a cause of action to pursue a lawsuit.

If your claim was unfairly denied, a New Orleans bad-faith insurance lawyer may be able to help. By retaining a disability attorney, you could rest assured knowing they would work on your behalf to evaluate the actions of insurance companies and take the necessary steps to help you pursue the benefits you deserve.

Defining Acting in Bad Faith

In New Orleans, the law creates a duty for all insurance companies to act in good faith. As stated by the Louisiana Revised Statutes §22:1973, an insurer has an affirmative duty to take the necessary steps to evaluate every claim made by policyholders quickly and with proper care. This statute also outlines a selection of activities that violate this ruling and could be grounds to retain a New Orleans attorney and file a bad-faith insurance appeal. These include and are not limited to:

  • Misrepresenting facts
  • Misleading a policyholder as to the period of the policy
  • Failing to pay claims when the denial is arbitrary, capricious, or without probable cause

Determining if a Disability Insurance Claim is in Bad Faith

While disputes in disability insurance claims are common, not every dispute stems from a bad-faith action. As an example, the two parties might have a legitimate dispute over whether a claimant’s condition occurred as a result of their job, in which case the claim should be made against a workers’ compensation policy.

Given the intricacies of determining legitimate claims, knowing whether a claimant is eligible could prove difficult for anyone without a thorough understanding of the law in New Orleans. Consequently, an injured person seeking aid might benefit from speaking with a New Orleans bad-faith insurance lawyer. A skilled lawyer could review a person’s insurance denial case and help them determine how to proceed with their claim.

How a New Orleans Bad-Faith Insurance Attorney Might Help with a Claim

Disputes over whether an insurance company should provide benefits after an illness or injury may place additional strain on an injured person’s life. While some of these denials are due to legitimate concerns over the validity of a claim, many denials are unfortunately wrongful and unjust. If you believe your claim was wrongfully denied, you might benefit from contacting a New Orleans bad-faith insurance lawyer to discuss your legal options.

Navigating the claims system could be stressful and overwhelming if you are underprepared or underrepresented. A seasoned disability attorney could work tirelessly to get you the necessary benefits, and may also request compensation for damages stemming from the wrongful denial. For more information about how to proceed with your claim, call today.

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