Legal Strategies for Handling Insurance Bad Faith Claims

When you purchase insurance it is your duty to pay your premiums and it is the insurance company’s duty to provide the benefits you are entitled to in situations for which you bought the insurance coverage. Still, you may have had a very hard time when you tried to get those benefits. It could be due to insurance bad faith.

Insurance bad faith happens when the insurance company fails to treat you fairly and hold up its end of the bargain. If an insurance company wrongly denies your claim, delays paying you without an explanation as to why, or otherwise behaves dishonestly they likely are engaging in bad faith.

Dealing with an insurance company is never an easy thing to do, but when the insurer is engaging in unfair practices and being deceptive, it can be much harder. If you were the victim of a bad faith insurance claim, then you need legal support to improve the chances that you can remedy this challenging and frustrating situation. In Florida, the Tampa insurance claims attorneys at Fulgencio Law know how to respond to an uncooperative insurance company and resolve the dispute.

What to Do Abou Bad Faith Insurance Claims

An insurance company must fulfill its obligations to its policyholders. At least, in a reasonable and fair way. When this doesn’t happen, a policyholder may be able to take legal action and obtain the compensation they deserve.

It is imperative that you document everything if you are experiencing bad-faith negotiations or actions by an insurance adjuster. You should have your insurance policy handy for reference of what your policy covers and what your rights are, gather all of the evidence you have that supports the claim in question that you submitted, and keep a detailed record of communications with the insurer. You will want to know the name of the person you are talking to, the date and time when you had correspondence, and what they told you. Additionally, you should note exactly what the bad faith action is, delay of payment, improper denial of claim, harassment or intimidation, insufficient investigation, or any other misconduct. 

All of the information you collect will be critical for a case you can make against an insurer. You will be better prepared to make a claim that proves bad faith with your evidence. If you take everything you have to an attorney, you can confirm that you are the victim of bad faith and also secure a trusted advocate to take over negotiations and the management of your claim. This alone may move things along in the right direction so you can get the benefits you are owed.

In instances where the insurance company refuses to behave within reason and continues to be unethical, then it may be time to file a lawsuit against the insurer. It is important to know that even if you file a lawsuit your case may not necessarily go to court. It is possible that you could come to a mutually agreeable resolution at any of the stages before litigation.

Call Fulgencio Law Today

Call Fulgencio Law today to discuss your bad faith insurance claim at (813) 463-0123 during a free consultation.