When Insurance Companies Act in Bad Faith

As we’ve said before, insurance companies — even your own — are generally not on your side. Unfortunately for accident victims seeking compensation for their injuries, the insurance company holds the purse strings when it comes to settlement numbers. Your insurance contract contains an implied covenant of good faith and fair dealing. This is an…
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$4,970,000
Acuerdo conductor y autobús
Acuerdo conductor y autobús
$4,750,000
Frente a la colisión
Frente a la colisión
$4,000,000
Accidente de motocicleta
Accidente de motocicleta
$2,000,000
Resbalón y caída
Resbalón y caída
$1,560,000
Resbalón y caída
Resbalón y caída
$1,000,000
Mordedura de perro
Mordedura de perro

When Insurance Companies Act in Bad Faith

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As we've said before, insurance companies -- even your own -- are generally not on your side. Unfortunately for accident victims seeking compensation for their injuries, the insurance company holds the purse strings when it comes to settlement numbers.

Your insurance contract contains an implied covenant of good faith and fair dealing. This is an implied promise that assumes that the parties to a contract will act in good faith and deal fairly with one another without breaking their word, using shifty means to avoid obligations, or denying what the other party obviously understood. For the person who signs up for insurance coverage, they generally believe that the purpose of the coverage they are purchasing is to provide compensation when the unexpected happens and they are injured as a result of someone else's negligence.

Insurance Bad Faith

If your insurance company is refusing to pay or defend your claim, or if it unreasonably delays payment on a claim, you may have a cause of action against the insurance company over and above the insurance policy limit. What this means is that there are no limits on a bad faith insurance claim, even if the value of a claim exceeds the limits of your insurance policy.

Examples of bad faith on the part of an insurance company include:

  • Denying a claim outright or failing to pay or settle a claim that falls within the insurance policy’s limits without asserting a reasonable basis
  • Failing to promptly investigate a claim
  • Failing to properly investigate and/or a defend a claim
  • Failing to provide a valid reason or justification for denying an insurance claim
  • Using deceptive practices to deny an insurance claim
  • Misrepresenting the terms of coverage or engaging in other misrepresentations, for the sole purpose of wrongfully denying an insurance claim
  • Failing to offer the full monetary value for the claim (i.e. undervaluing the claim) or offering a low amount insufficient to compensate a personal injury plaintiff for the injuries and damages sustained

This list is not exhaustive. If you or a loved one was denied a valid insurance claim, contact a knowledgeable accident attorney to discuss your legal rights.

When Insurance Companies Deny Claims

Insurance companies use a number of excuses for denying insurance claims and/or refusing to pay or defend claims. In many cases, the insurance company is simply trying to save itself money. Your financial security and well-being are not the insurance provider's number one priority.

Pursuing a Bad Faith Claim

If you believe you may have a claim for bad faith against your insurance company stemming from a motor vehicle accident, our skilled personal injury attorneys are ready and willing to assist you with filing your claim. Our team of attorneys and legal professionals have years of experience dealing with unscrupulous insurance adjusters and understand the ins and outs of dealing with insurance companies.

For more information on how to go about pursuing a claim for insurance bad faith, or to discuss filing an accident claim against your insurance company, contact the accident attorneys at Ghozland Law Firm today for a free consultation.

 

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Nuestros abogados de empleo y lesiones personales reconocen que las personas con las que trabajamos normalmente pasan por momentos abrumadores y estresantes en sus vidas. Cuando una persona nos contrata, nos esforzamos por brindarle al cliente la representación legal sólida y el asesoramiento eficaz que necesita para recibir una compensación justa y equitativa. Nuestros abogados experimentados están dedicados a ayudar a nuestros clientes en sus momentos de necesidad. Nuestro equipo de empleo y lesiones personales está compuesto por abogados muy respetados que han estado involucrados en varios acuerdos multimillonarios, lo que nos valió ser miembros del Million Dollar Advocates Forum®. Esto demuestra aún más nuestra capacidad para abordar casos de accidentes complejos.

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Con más de 40 años de experiencia, hemos manejado muchos casos de resbalones y caídas. Puedo brindarle el calibre de servicios legales que normalmente solo están disponibles para grandes empresas, debido a mi experiencia en litigios a gran escala que han resultado en indemnizaciones de millones de dólares en muchas ocasiones. En 2014, Michael Ghozland fue nombrado "Luchador callejero del año" por los abogados del consumidor de California en 2014. Debido a mi excelente historial judicial, ganar su caso probablemente signifique obtener un acuerdo privado, sin necesidad de acudir a un tribunal. Las compañías de seguros conocen mi reputación y la mayoría preferiría llegar a un acuerdo antes que enfrentarme en una demanda por resbalón y caída.