What to Do When You Suspect Insurance Bad Faith

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Insurance is a safety net, a promise of protection in times of need. However, what happens when the very entity supposed to safeguard you acts against your interests? This unscrupulous behavior, known as ‘insurance bad faith,’ can leave many feeling betrayed and helpless. Monahan Tucker Law is here to guide you through this complex terrain and empower you to fight back. 

Understanding Insurance Bad Faith

Insurance bad faith occurs when insurance companies breach their implied covenant of good faith and fair dealing, which is inherent in every insurance contract. This breach can manifest in various forms, such as unreasonable denial of valid claims, unwarranted delays in claim processing, failure to adequately investigate a claim, cherry-picking information that supports denial only, or offering settlements that do not cover the full extent of your losses.

Recognizing the Signs

Identifying insurance bad faith is crucial to protecting your rights. Some common signs include:

  1. Unjustified denial of a valid claim
  2. A protracted delay in claim processing without a valid reason
  3. Offering an inadequate settlement amount 
  4. Failure to conduct a thorough investigation of your claim
  5. Using unqualified medical professionals to review your claim
  6. Ignoring or misrepresenting policy provisions
  7. Deploying deceptive practices to intimidate policyholders
  8. Failing to provide accurate information about deadlines
  9. Financially incentivizing their staff to deny claims

Actions to Take Against Insurance Bad Faith

If you suspect insurance bad faith, following these steps can help protect your rights:

  1. Gather evidence: Compile all relevant documents, including your insurance policy, claim forms, and any correspondence with the insurance company.
  2. Consult with an attorney: Secure legal representation from an experienced insurance bad-faith attorney who can assess your case and guide you through the process.
  3. File a complaint: Report the insurance company’s actions to your state’s insurance regulatory agency for investigation.
  4. Document everything: Maintain a detailed record of all interactions with the insurance company.
  5. Review your policy: Understand your rights and coverage by carefully reviewing your insurance policy. An attorney can help you interpret its provisions and identify potential violations.
  6. Consider legal action: If negotiations fail to resolve the issue, your attorney may recommend filing a lawsuit to seek the compensation you deserve.

The Power of Legal Representation

An experienced attorney is your strongest ally in cases of insurance bad faith. They can assess the strength of your claim, negotiate on your behalf, navigate complex legal procedures, and maximize the compensation you are entitled to. 

At Monahan Tucker Law, our seasoned attorneys have a proven track record in successfully handling cases involving insurance bad faith. We stand by your side, providing transparency and support throughout the legal process. Our mission is to restore your agency and dignity by regaining what was wrongfully taken from you. 

Reach Out For Guidance

Facing insurance bad faith can be daunting, but remember, you are not alone. Recognize the signs, gather evidence, consult with an attorney, and take action. You have the power to stand up against insurance bad faith and fight for what is rightfully yours. At Monahan Tucker Law, we are committed to helping you do just that. Your claim is our cause. Schedule a consultation today.

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