You pay your insurance premium every month. Your insurance company is supposed to pay your claim, in that unfortunate circumstance. Right? They’re supposed to but do they? Not always.
If your insurance company refuses to pay your claim, you have right to file a lawsuit against them. Claiming bad faith against your insurance company may seem straightforward. It is not and it requires skill to navigate through the rough waters ahead.
When you suspect your insurance company is dealing in bad faith, you should immediately start putting together your case. You can do this in many ways:
- Document every call you have with your insurance company
- Keep duplicates of every form you fill out
- Copy all of the correspondence you receive from your insurance company
- Retain copies of all emails you send and receive
It is important to take these steps so your attorney has the information needed to provide you with the best representation we can give you. When you first retain us, we will send a letter to your insurance company. The letter sets out the terms of your insurance policy and reminds the insurance copy of their duty to pay your claim. Sometimes, this letter is enough to get your insurance company to shape up. Other times, it’s not.
Even if your insurance company pays up, you can still file suit for bad faith. Whether your insurance company decides to pay when we send the letter on your behalf, they have still acted in bad faith and you are still entitled to damages.
Bad faith can come in many forms and you may think it’s just the way the insurance company does business. In reality, they’re not acting in your best interest. Bad faith can appear as:
- A delay in paying your claim
- Cancelling your insurance
- A delay in investigating your claim
- Denying your claim without a reason
When you are the victim of bad faith insurance tactics, you owe it to yourself to contact a lawyer, like a bad faith litigation lawyer trusts.
In addition to the claim your insurance company owes you, can also recover damages for lost wages, pain and suffering, emotional distress, current and future medical expenses, among others. Your insurance company has put you and your family through an unnecessary and stressful situation that could potentially ruin your finances. It’s time they pay up for the claim and for the additional harm they have caused.