When you work with your insurance company, you expect them to act in good faith and to properly consider your insurance claim. What happens, though, when your insurer uses bad-faith tactics to deny your claim?
Let’s be clear: It’s illegal.
Insurance adjusters and insurance companies cannot use bad-faith tactics to deny claims, and there are consumer protection laws in place to prevent insurance companies from acting in illegal ways. The trouble is that identifying bad-faith tactics can be difficult, especially for someone who doesn’t work in the insurance industry or for someone who has never had to file a claim before.
In general, your insurance company may be acting in bad faith if:
- They misrepresent facts or laws to try to offer you a lower amount than you may qualify for
- They offer you a lower insurance amount than other cases with similar circumstances
- They refuse to properly and promptly investigate your insurance claim
- They employ delay tactics when it comes to negotiation, investigation or payment
- Your insurance claim is denied with no apparent reason or no reason which makes sense
If you’re having trouble getting through to your insurance company or having them address your claim, or if your claim is being denied or delayed for any reason, it can be good idea to consult with an insurance attorney. An insurance attorney understands the difference between bad-faith tactics and legally acceptable delays and maneuvers. He or she can help you understand your rights and can negotiate with insurance companies to ensure your claim is processed correctly. If an insurance company does act in bad faith, an insurance attorney can help you file a claim against the insurer and can work to secure your insurance payout.
If you’re dealing with an insurance company that is behaving in an unreasonable and possibly illegal way, contact Katherman Briggs & Greenberg immediately for a consultation. Time is essential in these cases. Katherman Briggs & Greenberg has been helping central Pennsylvania policyholders for more than three decades, so when you turn to us you’re working with a team that has experience.