When it comes to personal injury cases, you definitely want everyone on your side, right? Personal injury isn’t something to mess around with – you just want your proper compensation as fast as possible so you can focus on the road to recovery. That’s the most important thing.
However, there are times when insurance companies are not acting the way that they should when it concerns personal injury cases. This causes the rise of something called “Bad Faith Insurance Claims” and they’re a lot more common than you would think. There are certain activities that cause such a claim to be taken up by the claimant. So, be sure to get yourself a high-quality bad faith insurance attorney and educate yourself on what you could potentially sue for.
1. Wrongly Denying a Claim
So, you’ve submitted the tons of paperwork with your lawyer and gotten started with the claim process with your insurance company. You think that everything is going smoothly and your personal injury is going to be compensated fully sometime soon.
But then you get contacted by your insurance company and they have denied your claim. Your lawyer states that this is a wrongful defiance and therefore is grounds for a bad faith insurance claim. This is one of the first points that you can base your claim on and should be thoroughly discussed with your lawyer to ensure your claim really was denied on baseless grounds.
2. A Long and Unreasonable Delay in Paying the Settlement
Sometimes insurance companies like to drag out the settlement payment for as long as possible. This can be for a variety of reasons, but it definitely is grounds for a bad faith insurance claim if this continues for an unnecessary amount of time. If your insurance company doesn’t give you clear reasoning about why they’ve delayed the settlement payment, it’s time to draw up the paperwork for a suit with your lawyer.
3. Canceling the Claimant’s Policy Suddenly and Without Reason
This is one of the worst things that can happen to you, especially when you’re dealing with a recent personal injury. It’s also completely illegal for an insurance company to do this to you and therefore, is grounds for a bad faith insurance claim. All of a sudden, if you find your policy canceled by the insurance company without any good reason, you should immediately speak with your lawyer about next steps.
4. Refusing to Conduct an Investigation
The next possible activity that would warrant a bad faith insurance claim is the insurance company’s refusal to even conduct an investigation into the accident. There’s really no reason why a company would refuse to check out why the accident happened. That’s why it’s one of the major grounds that would lead to a lawsuit against the insurance company.
5. Not Keeping the Claimant Informed of the Status of the Claim
The last and definitely not least activity that would warrant some kind of action on behalf of you and your lawyer would be if the insurance company does not keep you informed about the status of your claim. If the company won’t even entertain the idea of keeping you regularly informed about what’s happening, even when you ask explicitly, then you have a problem on your hands. Be sure to work with your lawyer to figure out what to do in this case.
When insurance companies work out of bad faith, this is never a good sign. It’s just a ton of extra stress on top of what you’re already dealing with your personal injury case. Make sure you work with your lawyer to ensure everything goes smoothly in the end with your insurance company.