Make Sure Your Insurance Company Is Not Dealing With You In Bad Faith

Insurance companies are notorious for being resistant when dealing with the approval of a claim. This is especially true in cases such as personal injury claims that are the result of an automobile accident.

Many car accident and personal injury cases can be complicated when all competing versions of events are entered, which can provide considerable latitude for crafting an argument that at least reduces the level of negligence for their client. And then, there are insurance companies that negotiate in bad faith as a standard policy in dealing with all claims, choosing to force the plaintiff into court or settle quickly for a very low offer. Any of these situations could be proven as bad faith tactics by an experienced personal injury attorney who understands how to prove bad faith in court.

Explaining Bad Faith: Depending on the size and management of an insurance company, different companies use different approaches to settling claims. Knowing the policy of the insurance company being petitioned for damages can be very helpful when claiming benefits, especially if the company policy adjuster is being difficult. Sometimes the tactics are actually being ordered from the claim supervisor level. That is why handling a personal injury claim without legal counsel is usually a bad idea. And, when an insurance adjuster realizes there will be no attorney in involved, it is easy for the adjuster to negotiate in bad faith while the injured party is never aware of the potential coverage level. Luckily, this is a point where a personal injury attorney can intercede and investigate the case for bad faith activity by the insurance company. There are specific laws that govern how insurance claims are handled legally, and a violation of these rules in any manner could constitute bad faith on the part of the respondent insurance company.

Additional Damages: The real issue with bad faith insurance companies is avoiding a separate claim for bad faith negotiation. Insurance adjusters are trained professional negotiators and methods of settling claims can often borderline on illegal activity. While many adjusters will not offer all policy information in the initial stages of a claim payment, adjusters must still answer questions honestly and document communications. Failure to do so can result in an additional lawsuit against the company for demonstrated bad faith in the insurance claim process resulting from the actions of their responsible insurance policy holder. A bad faith claim is not an addendum to the original insurance claim. It is a separate legal issue, which could result in a significant punitive damage enhancement.

Signs of Bad Faith Tactics: One of the primary signs that an insurance company will be difficult to settle with is how quickly they respond to the initial claim contact. It is always a bad sign if the company is quick to want a settlement, but are requesting a full future medical release. While this may seem like the company is compassionate and concerned about the claimant, it could easily be a sign of a high level of insurance coverage for their client and a willingness to want the negotiation complete. After all, their duty is primarily to the employing company and client to reduce the total claim payout as much as possible. Ceasing benefits during the process of recovering from an injury can also be evidence of bad faith when the company cannot justify the stoppage of benefits. Many times a claimant will realize quickly that a solid lawyer for injury claims will be necessary for a full damage recovery.

Bad faith insurance companies are the main reason that it is never a good decision for a typical injury victim to attempt negotiating with an insurance company regarding the injury. Personal injury cases can get complicated and often the insurance company is successful in deflecting the level of fault assigned to their client. approaches to settling claims. Knowing the policy of the insurance company being petitioned for damages can be very helpful when claiming benefits, especially if the company policy adjuster is being difficult. Sometimes the tactics are actually being ordered from the claim supervisor level. That is why handling a personal injury claim without legal counsel is usually a bad idea. And, when an insurance adjuster realizes there will be no attorney in involved, it is easy for the adjuster to negotiate in bad faith while the injured party is never aware of the potential coverage level. Luckily, this is a point where a personal injury attorney can intercede and investigate the case for bad faith activity by the insurance company. There are specific laws that govern how insurance claims are handled legally, and a violation of these rules in any manner could constitute bad faith on the part of the respondent insurance company.

Additional Damages: The real issue with bad faith insurance companies is avoiding a separate claim for bad faith negotiation. Insurance adjusters are trained professional negotiators and methods of settling claims can often borderline on illegal activity. While many adjusters will not offer all policy information in the initial stages of a claim payment, adjusters must still answer questions honestly and document communications. Failure to do so can result in an additional lawsuit against the company for demonstrated bad faith in the insurance claim process resulting from the actions of their responsible insurance policy holder. A bad faith claim is not an addendum to the original insurance claim. It is a separate legal issue, which could result in a significant punitive damage enhancement.

Signs of Bad Faith Tactics: One of the primary signs that an insurance company will be difficult to settle with is how quickly they respond to the initial claim contact. It is always a bad sign if the company is quick to want a settlement, but are requesting a full future medical release. While this may seem like the company is compassionate and concerned about the claimant, it could easily be a sign of a high level of insurance coverage for their client and a willingness to want the negotiation complete. After all, their duty is primarily to the employing company and client to reduce the total claim payout as much as possible. Ceasing benefits during the process of recovering from an injury can also be evidence of bad faith when the company cannot justify the stoppage of benefits. Many times a claimant will realize quickly that a solid lawyer for injury claims will be necessary for a full damage recovery.

Bad faith insurance companies are the main reason that it is never a good decision for a typical injury victim to attempt negotiating with an insurance company regarding the injury. Personal injury cases can get complicated and often the insurance company is successful in deflecting the level of fault assigned to their client. Always get an experienced and aggressive insurance claim attorney who knows when your claim can be enhanced by an additional bad faith legal action.