When and How to File a Bad Faith Insurance Claim

After suffering from injuries in an accident or damage to your property, you expect your insurance company to help and provide you with the compensation that you need. Unfortunately, there are times when insurance companies do not act in a fair and honest manner. Some ways in which insurance companies do not act in good faith include:

  • Refusing to pay your claim without adequate reasoning
  • Failing to investigate your claim quickly and accurately
  • Using deceitful tactics to avoid paying your claim
  • Intentionally misinterpreting the wording of the policy to avoid their responsibilities
  • Demanding unreasonable proof
  • Using intimidating behavior to force a settlement
  • Failing to explain the policy accurately

Insurance providers are held accountable by federal and state laws to act in good faith when it comes to actions with their consumers. Customers invest significant amounts of money to their insurance companies in case they were to suffer from an accident or any type of property damage. There are some instances in which a denial of your claim is justified. Cases wherein a customer is attempting to receive compensation for a situation that is not covered in the policy. Two other reasons that the insurance provider can deny your claim would be if you are making a fraudulent claim or you have defaulted or not paid your premium. If these three factors are not present in your case, you may be able to pursue a bad faith insurance claim. The steps you need to take in order to fight for the compensation that you deserve, include:

  1. Retain a Texas bad faith insurance lawyer from Brasher Law Firm, PLLC
  2. Ask one of the supervisors at the insurance company to review the claim and the denial of the claim
  3. Contact your state’s insurance regulatory agency to investigate the claim

In order to build a solid case against your insurance company, be sure to keep documentation and notes of all the conversations you have with your provider. Be detailed with your notes and keep track of the people’s names and the dates that you talk to them. It is also crucial to keep copies of any written communication about your claim. If you claim was denied, that is when you ask the supervisor to review the claim. If they do not reverse the denial then you would approach the state insurance regulatory agency. This agency reviews contested claims involving insurance companies. If this appeal is still not successful, your bad faith insurance attorney can review the policy and speak with the insurance provider or file a lawsuit on your behalf.

You and your attorney would draft a complaint to state or federal court that will explain the claim and the act of bad faith from your insurance provider. Then your claim can either be settled before trial or at trial. Need an attorney for your bad faith insurance claim in Texas? The skilled lawyers at Brasher Law Firm, PLLC are always prepared to take their cases to court if necessary. If you need an attorney for your bad faith insurance claim, contact our firm today!