Understanding Insurance Bad Faith: What You Need to Know

At Brewer Law Firm, led by experienced bad faith insurance attorney Barrett Brewer, we firmly believe that when you pay for insurance, you have the right to expect your claim to be handled fairly and promptly. Unfortunately, this is not always the case. Insurance companies sometimes engage in bad faith insurance practices, failing to meet their obligations and leaving policyholders without the coverage they deserve. In these instances, it’s crucial to understand your rights and what constitutes insurance bad faith.

What is Insurance Bad Faith?

Insurance bad faith occurs when an insurance company unreasonably or unfairly handles a claim. This can manifest in various ways, such as delaying payments, denying valid claims without reason, or offering unjustifiably low settlements. Insurance companies are legally obligated to act in good faith and fulfill the coverage outlined in your policy. When they fail to do so, they can be held accountable through a bad faith insurance claim, which is where the expertise of bad faith insurance claim lawyers becomes essential.

Common Examples of Insurance Bad Faith

Although insurance companies are supposed to protect policyholders, they sometimes prioritize their own financial interests. Some examples of insurance bad faith include:

• Unjustified claim denial: Refusing to pay a claim without a valid reason or conducting a proper investigation.
• Delayed payment: Intentionally stalling the claims process or postponing payment even after agreeing to a settlement.
• Inadequate investigation: Failing to conduct a thorough investigation before making a decision on your claim.
• Lowball offers: Offering settlements far below the claim’s true value.
• Misrepresentation: Providing false or misleading information about your policy or the claims process.

At Brewer Law Firm, our experienced team of insurance claim lawyers has witnessed firsthand how these tactics can place policyholders in difficult financial and emotional situations. Whether you’re dealing with a serious injury or property damage, our job is to hold insurance companies accountable and ensure you receive the compensation you’re entitled to.

How Can You Prove Insurance Bad Faith?

Proving insurance bad faith requires strong evidence that the insurance company acted unreasonably or breached the terms of the policy. This can involve collecting written communications, claim documentation, and evidence of how the company handled similar claims. Barrett Brewer and the team at Brewer Law Firm are skilled bad faith insurance claim lawyers who know how to gather and present this critical evidence to build a strong case for bad faith.

What Are Your Rights as a Policyholder?

As a policyholder, you have rights that should be upheld throughout the claims process. These include:

• A prompt and thorough investigation of your claim.
• Full disclosure of all coverage benefits under your policy.
• Fair and reasonable settlement offers based on the facts of your claim.
• Timely payment of your settlement or claim.

If your insurance company fails to meet these obligations, you may be entitled to additional compensation through a bad faith insurance claim, including damages for emotional distress and legal fees. Consulting with a knowledgeable bad faith insurance attorney can help you protect these rights.

How Brewer Law Firm Can Help

When an insurance company engages in bad faith, it’s important to take swift action. Brewer Law Firm focuses on advocating for policyholders and ensuring insurance companies are held responsible for their wrongful actions. With years of experience handling complex bad faith insurance cases, bad faith insurance attorney Barrett Brewer and the team at Brewer Law Firm are here to guide you through the legal process and fight for the compensation you deserve.

If you suspect your insurance company has acted in bad faith, don’t hesitate to reach out. Contact Brewer Law Firm today for a consultation, and let us, your trusted insurance claim lawyers, help you take a stand and recover what you’re owed.