INSurance & bad faith claims
We buy insurance for peace of mind. When misfortune or tragedy strikes, you expect your insurer to honor its end of the bargain by providing the protection you dutifully paid premiums for – whether through auto, homeowners, disability, health, or life insurance. What are your options when your insurer fails to hold up its end of the bargain?
Insurers owe their policyholders a duty of good faith and fair dealing under South Carolina law. Bad faith occurs when an insurance company acts unreasonably in investigating, denying, or delaying payment of a claim.
When is an insurance company liable?
An insurance company may be liable for bad faith through its:
- Lowball offers to resolve a claim
- Failure to pay undisputed claim amounts under uninsured/underinsured motorist claims
- Early termination or denial of claims for
- Refusal to provide attorneys to defend you in a lawsuit under auto or homeowners policies
- Failure to settle a lawsuit brought against you under auto or homeowners policies
- And many other scenarios
If an insurance company acts in bad faith, it may be liable to its policyholder the covered benefit, other consequential economic damages caused by its conduct, noneconomic damages (for such things as aggravation, frustration, fear, anger, etc.), punitive damages, attorney fees, and costs. Depending on the facts of your case, you may have claims against your insurance company for breach of contract, bad faith, fraud, or negligent misrepresentation, among others.
Contact the Brewer Law Firm, LLC in South Carolina, for a Free Case Evaluation.
You can contact Brewer Law Firm, LLC with any inquiries for a FREE & CONFIDENTIAL initial consultation. Fill out this form to schedule an appointment.
510 Mill Street, 2B
Mount Pleasant, SC 29464
PO Box 1847
Mount Pleasant, SC, 29465
Serving the State of South Carolina