We all hope we and our loved ones will experience a full and happy life free of injury or illness. Unfortunately, life does not always work out according to plan. In order to ensure the best possible outcome for ourselves and our families, we purchase insurance. Bad faith claims by an insurer can reduce an accident victim’s level of financial security just when they need it most.
When an accident or illness occurs, we expect the insurance company to provide the benefits we were promised when we purchased the policy. In such events, insurance companies have a good faith duty to appropriately pay homeowner, automobile and health insurance claims according to the policy terms. Unfortunately, there are times in which insurance companies refuse to appropriately compensate their policy holders after a property loss or personal injury. This is wrong and is a bad faith act on the part of the insurance company. Victims of bad faith claims have paid their premiums, often for decades, and deserve to have their claim dealt with properly and honestly.
If you feel you have been the victim of an unscrupulous insurance company, it’s crucial that you are represented by attorneys with experience handling bad faith insurance cases. You need a team on your side that will stand and fight against these insurance goliaths. At McIntyre Law, we have an experienced team of legal professionals ready to assist you in the battle to force your insurance company to do the right thing.
What is Bad Faith Insurance?
From state to state, laws can vary widely concerning insurance. Bad faith insurance actions however, are always considered wrong. In general, companies owe a duty of good faith and fair dealing to the persons they insure. Typically, an insured is someone who pays the insurance premiums and/or someone in the insured’s household also covered by the policy. When a policy holder files a claim, insurance companies are required to honor the claim unless they have a legitimate reason to reject it. If the insurance companies fail to act in good faith and fair dealing when rejecting a claim, the insured person (or “policyholder”) may sue the company on a tort claim in addition to a standard breach of contract claim. That means that if you have been the victim of a bad faith claim, you are entitled to compensation over and above the value of the original claim.
Examples of Bad Faith Insurance
We have extensive experience negotiating, confronting, and when necessary, litigating against insurers who fail to pay policy holders or those people legally entitled to compensation following an automobile accident via medical payments coverage or an uninsured or underinsured motorist claim. Other examples of bad faith claims include property damage from a tornado, flood or hailstorm and failure of health insurance companies to cover necessary and contracted for medical treatment. Our team of lawyers is prepared to fight against the insurance companies engaging in efforts to deprive their policy holders of the benefits they deserve. If you have purchased insurance, bad faith actions by your insurance company are a way of withholding what is rightfully yours.
Representation for Insurance, Bad Faith and Other Policy Related Claims
Honesty, hard work and compassion are the hallmarks of our law firm. We strive to provide the best legal representation to victims of bad faith claims while adhering to a strict code of ethics. We pledge to keep our clients’ best interests at the forefront as we work to make the legal process as painless as possible for the injured and their family. At McIntyre Law you will get the full attention of our lawyers, and have unabated access to our staff at anytime. Contact us today for a free bad faith insurance consultation.