Unfair Insurance Claims Practices Lawyers

What Is an ¿Unfair Insurance Claim Practice¿?

If you have a claim that your insurance provider should cover under your policy, but refuses to, the provider has acted in bad faith.  If your provider acts in bad faith on a regular basis, the provider is engaging in an unfair insurance claim practice.

What Are Some Examples of Unfair Insurance Claim Practices?

There are some characteristics of an insurance policies reaction (or lack thereof) to a claim that may indicate the provider is engaging in unfair insurance claim practices: 

• If your insurer informs you of a policy of appealing any arbitration awards that claimants win, so as to compel claimants to accept settlements or compromises out of court for a lesser amount
• Trying to get claimants to opt for litigation by offering a claimant substantially less than he would get if he sued in court
• The provider not trying to reach a quick, equitable settlement where fault is obvious
• Refusing to pay a claim without doing a thorough investigation of all available information about the claim
• Not having a set of standards for investigating claims falling under an insurance policy
• Not reacting in a reasonable amount of time to claims made under an insurance policy
• Not telling the whole truth or lying about certain provisions of an insurance policy concerning what is and is not covered under the policy
• Not providing a reason in a short time for the denial of a claim or for the offer of a settlement
• Delaying an investigation of a claim by requiring the claimant of an expert, like a physician, to submit to different reports (e.g., a preliminary report and a proof of loss report), both of which say pretty much the same thing

What Should I Do if I Feel I Am the Victim of My Provider¿s Unfair Insurance Claim Practices?

You should immediately contact a lawyer who has experience dealing with insurance claims and bad faith.  Your attorney can advise you of you rights and let you know if you would be entitled to any monetary damages in a lawsuit against your insurance provider.