Customers pay their insurance premiums every month with the hope that they will not need to ever actually file a claim. Afterall, no one wants to be in a car crash or have a crisis at their home that causes damage. But the expectation every month as you make your payment is that if something should happen, the coverage will be there if you do have an incident and need to file that claim.
Unfortunately, not all insurance companies put their customers best interest first. Instead, they put profits ahead of honoring their policies/contracts with their customers. This is when an insurance litigation attorney can help. If you think your insurance company is acting in bad faith, contact a law office to find out how they can help. In the meantime, the following are some frequently asked questions lawyers hear from victims of bad faith insurance practices.
Do insurance companies really practice bad faith tactics on their customers?
Bad faith tactics and practices by insurance companies are more common than you may think. The insurance policy between a customer and insurance company is a legal contract and that contract lists specific conditions that need to exist in order for the insurance company to pay compensation to their customer. Even when all those conditions are met, companies will offer compensation that is much lower than the victim’s losses are and what the victim is actually entitled to under the terms of the policy.
Can a customer file a bad faith lawsuit against their own insurance policy?
If your insurance company fails to honor the policy you have with them, you can file a bad faith lawsuit, legally referred to as a first party dispute.
Can a victim file a bad faith lawsuit against another party’s insurance company?
If a victim has been injured in an accident caused by another party, and that party’s insurance company refuses to process that claim, the victim can file a bad faith lawsuit against the company, legally referred to as a third-party dispute.
Does a victim need an insurance litigation attorney in order to pursue a claim against an insurance company?
There is no law that requires a person to hire an attorney for this type of dispute, however, these cases can be quite complex and require a solid understanding of personal injury law. There is also the factor of the victim being up against the insurance company’s army of lawyers and having to try to fight that legal team in court. An insurance litigation attorney will work diligently to get victims the compensation they deserve. An attorney from a law firm has the experience and skill to negotiate, but also is seasoned enough to know when litigation is necessary in order to get the insurance company to pay the victim what they deserve.
Contact an Insurance Litigation Attorney
If you have filed a claim with your insurance company and they refuse to honor your policy, it is crucial to your case to find an insurance lawyer who is not only a skilled negotiator but is also an experienced and aggressive litigator who will take your case to trial if the insurance company fails to negotiate in good faith. Call a law office today to schedule a free case evaluation with an insurance litigation attorney.