You’ve just gotten into an accident and you’re relying on your insurance company to support you and get you the money you deserve. Despite the fact that they’re supposed to cover you, however, the company is leaving you high and dry. They’re offering you nothing.
What happened? This might be a bad faith insurance claim situation.
We’re here to talk about what you should do when you experience an unfair claim denial. Read on to learn more.
What Is an Insurance Company’s Duty of Good Faith?
While they don’t always act on it, insurance companies have a responsibility to their customers. That’s the agreement that they make when a customer chooses them.
When you submit a valid claim to an insurance company, they must assign an adjuster to you. They’ll try to determine the facts of the accident and then speak with the other insurance company (if applicable). As long as your claim is valid, they should be able to provide you with a monetary offer.
Insurance companies are required to cover certain things (within reason). These things include:
- Lost wages
- Emotional distress
- Pain and suffering
- Medical bills
There are situations in which companies have to cover other things as well, but this is on a case-by-case basis.
All types of insurance companies have to act in good faith. Auto insurance companies, homeowner’s insurance companies, business insurance companies, and all others have this responsibility to their customers.
What Happens If an Insurance Claim Is Denied?
Sometimes it’s normal for an insurance company to deny a claim. Not all claims are valid and you may not have provided enough information or evidence to support yourself.
You don’t have to accept a denial, however. If you suspect that an insurance company is being unfair, you have the right to try again or get legal support. If an insurance company isn’t fulfilling its duty to their customer, they’re acting in bad faith.
Make sure that you know why the insurance company rejected your claim. Get it in writing so you have a paper trail. Then, it’s time to visit a lawyer.
How Can You Handle a Bad Faith Insurance Claim?
Talk to a lawyer, like a team at haunmena.com, about your situation. They’ll help you determine whether or not you have a viable case and then they can help you file a lawsuit.
To prove bad faith in the court, you need to prove that you encountered a claim denial and that the claim denial was unreasonable or unfair. Because it’s difficult to prove unfairness, this is where your lawyer will have to fight with the insurance company.
If you win the case, you’ll get the money that was originally owed to you. You may also get the company to cover attorney fees, emotional distress, and any other monetary losses that relate to the case.
You Need a Bad Faith Claim Attorney
Don’t let insurance companies take advantage of you with a bad faith insurance claim. Take your power back by filing a suit against them and getting the damages that you deserve.
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