In the world of personal injury law, a common term to hear is bad faith insurance. This phrase is used to describe the behavior of an insurance company that isn’t negotiating in “good faith.” In other words, they are doing something to get in the way of you having a fair claim settlement.
Examples of Bad Faith Insurance
- An insurance company might be said to have acted in bad faith if it failed to examine the cause behind an injury and instead simply blamed the victim.
- A claims adjuster who makes an arbitrary decision after only a cursory examination of the evidence could be said to have acted in bad faith.
- An insurance company which tries to limit its settlement against agreed policy statements might be acting in bad faith.
Basically, any situation where the insurance company or one of its representatives fails to do all it can to discover the reality of a claim, or where it tries to avoid paying according to the contract is an “insurance bad faith” situation. When this happens it is absolutely vital to speak with a personal injury attorney.
What does a Personal Injury Attorney do?
Personal injury attorneys help you avoid insurance bad faith if you’ve been injured, and they help you get justice if you’ve been a victim of bad faith.
The insurance companies have a huge interest in paying the least amount possible. Insurance companies have been in trouble in the past for giving bonuses to adjusters based on how well they deny and minimize claim payouts. They have absolutely no reason to pay you the money you deserve and that they promised.
A personal injury attorney, on the other hand, has a duty to his or her clients. The attorney, therefore, will put in much more effort into finding the data which proves the facts of the case.
It is not uncommon for an attorney to get medical records, accident reports, witness statements, and even hire experts and purchase surveillance footage all in an effort to tell the complete story. When the facts of the case become clear, the insurance company will almost always back down rather than face the possibility of a bad faith lawsuit.
If your insurance company has failed to live up to its obligations, call the experienced team of attorneys at Ingerman & Horwitz, LLP. We have decades of experience dealing with these types of cases. We know how to get results for our clients.