INSURANCE LAWSUIT

Insurance Lawsuits

Insurance of any kind is a 
contract and if you're insurance 
company has denied your 
insurance claim or if you have 
been the victim of bad faith 
insurance you should consider 
finding an attorney at advocate 
for you.

Some Good Hands Insurance 
Companies Do Very Bad 
Things When It Comes to 
Paying Claims

Insurance companies of all kinds 
are notorious for being tight 
fisted about reimbursing you 
for claims. Whether you have 
been in a car accident, had 
significant hurricane damage to 
your home or you are seeking 
coverage for a health insurance 
related issue, the universal 
factor is having to deal with 
insurance companies, claims and 
adjusters. When you purchase 
an insurance policy, you are 
entering into a binding contract 
with the firm. As you pay your 
premiums each month and year, 
you are holding up your end of 
the bargain and when 
something bad happens to you, 
they are supposed to hold up 
their end.
All too often, insurance 
companies are more interested 
in their bottom line than they 
are in holding up their end of 
your contract. This is why 
attorneys are called to get 
involved in so many insurance 
claims - because otherwise the 
insurance company may think 
that can get away with bad 
faith insurance representation. 
Bad faith insurance occurs when 
an insurance company unfairly 
and incorrectly denies a claim 
by a member of their insured 
constituency.
Insurance companies can commit 
"bad faith insurance" activities 
several ways.

An insurance company can delay 
examining an insurance claim. 
This means that they may delay 
calling you back in regards to a 
claim, they may hesitate to 
send out an adjuster or 
facilitate a meeting with an 
adjuster, or they may just 
ignore your claim altogether for 
a significant period of time.
An insurance company may 
unjustly delay paying out on a 
claim. Your claim may have been 
approved by the adjuster and 
then be held up by red tape 
within the insurance company. 
Perhaps they are suddenly 
demanding alternate methods 
of proof or they continue to 
maintain that they have sent 
payment, when they have not.
An insurance company may 
suddenly interpret the 
insurance policy in an 
unreasonable fashion. Perhaps 
they have a special clause, or 
they have decided that your 
claim can be manipulated to no 
longer fit within the bounds of 
the contract. This can be seen 
in most of the Hurricane Katrina 
cases against insurance 
companies as they argue over 
damage caused by the 
hurricane and windstorm versus 
flood insurance coverage.
An insurance company may 
improperly deny your claim 
outright and refuse to settle 
your claim or case and pay for 
your loss.
Insurance Bad faith is a breach 
of the insurance policy contract 
between you and your 
insurance company and, as they 
delay, they are also responsible 
for any losses or injuries 
sustained or created by their 
delay to process the claim in 
good faith. If it can be proven 
that an insurance company is 
acting in bad faith and that 
they are being unreasonable or 
misleading, a policy holder can 
file an insurance company 
lawsuit to get compensation 
and punitive damages that 
exceed the amount of the 
original insurance policy.
Bad faith insurance can occur in 
association with any insurance 
company. Bad faith insurance 
claims have been filed against 
HMO's and managed healthcare 
organizations, homeowner's 
insurance companies and 
disability insurance companies.
If you feel as though you're 
insurance company has acted in 
bad faith in handling your 
insurance claim or if your claim 
has been unfairly denied, you 
may have the basis for a 
lawsuit against your insurance 
company. You should contact an 
attorney as soon as possible if 
you feel this is happening to you.