How to Deal With a Bad Faith Insurance Claim
Having insurance coverage is a necessity. When you purchase an insurance policy, whether for your health, home, or vehicle, you’re essentially entering into a contract with an insurance provider in which it promises to cover qualified expenses should you need it, and you promise to pay your insurance premiums every due date on time. Both you and your insurance provider have a legal duty to engage and communicate in “good faith”, which means communicating without any intention to deceive or defraud and giving out only relevant information.
If your insurance provider fails or refuses to pay you for a valid insurance claim because they didn’t investigate your claim fairly or properly, then you might have a bad faith claim, explains a top attorney in Los Angeles.
Dealing with Your Insurance Provider
If you want to deal with your provider to try and resolve a bad faith claim, try these tips first:
- Make sure that you understand and follow all procedures for filing an insurance claim. Insurance companies usually deny claims if the policy doesn’t cover the kind of accident you’re trying to claim for or if you didn’t provide the necessary documentation.
- Make a record of all your oral and written correspondences with your provider while it’s processing your claim and if it get’s rejected.
- Remember that persistence is key. Follow up when your insurance provider doesn’t respond, request specific information if your claim gets denied, and confirm and verify things you don’t understand.
- If your policy allows it, file an appeal.
- If all else fails, get legal help.
Seeking Legal Aid
If you have a real reason to believe that your insurance provider denied your claim wrongfully, get in touch with an attorney experienced in bad faith claims to see if your claim has merit and what you could potentially recover. Generally speaking, you might recover what you would’ve been legally entitled to, had your provider approved your original claim. You might likewise be able to recover incurred expenses related to your provider’s denial of your claim, including legal fees, punitive damages, and emotional distress.
Your lawyer could help you with your lawsuit and help ensure that you recover what’s rightfully yours.