When you sign a contract with the insurance company, not only are you promising to pay for the services you receive, but the insurance company also has duties to uphold.
Failing to uphold those duties can result in bad faith from your insurance provider.
If this happens to you, it’s normal to feel frustrated, worried, and maybe even hopeless. Just know that we’re here to help. If you need to speak with an experienced attorney because you think your insurance company is acting in bad faith, we’re here to answer all of your questions.
As a starting point, here are some ways to prove insurance bad faith:
Your Claim Decision Wasn’t Based On All Available Information
If the insurance company denies or undervalues your claim because they are cherry-picking which information to include in your claim, then they are acting in bad faith.
The insurance companies have a legal duty to promptly investigate claims based on all information. It is unlawful for the insurance company to choose to include certain information that benefits them and leave other details out that may benefit you.
Your Claim Was Denied Without a Valid Reason
The insurance company is not allowed to deny your claim without providing proof of their reasoning. If your claim is denied and you are not provided a reason for the denial, you may have a bad faith claim.
Similarly, if the insurance company fails to promptly provide you with the compensation you are owed per your policy, the business is acting in bad faith.
You Weren’t Provided Prompt Communication
The insurance company has a legal obligation to communicate promptly with you regarding the elements of your claim.
For instance, if you need to provide certain documentation to the insurance company by a particular deadline, they must make you aware of that as soon as possible. If you miss the deadline as a result of not knowing about the need as soon as you should have, then you may have a bad faith claim.
If you suspect your insurance company is acting in bad faith, it’s critical you seek legal counsel right away. This is not an issue you want to wait on. The longer you wait, the harder it is to prove your claim. Don’t delay—call our team today to discuss your case.
Contact our team at (719) 249-6240 today to discuss the details of your case.