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Insurance Bad Faith

Insurance policies are meant to protect policy holders from potential future loss, damage, and more. You’ve selected the amount of coverage your new plan provides and started paying your monthly premiums thinking that you’re going to be covered when a crisis occurs – but what if your insurance company doesn’t pay your claim?

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You might have an insurance bad faith case. The experienced lawyers at Dyer, Coatney & Acuña specialize in insurance bad faith claims and can help you file your potential claim.

What is Insurance Bad Faith?

Insurance bad faith refers to a case where an insurance company refuses to provide coverage for a legitimate claim filed by a policy holder. Examples of insurance bad faith include:

  • Refusing to investigate a claim
  • Excessively postponing a claim investigation or payment
  • Denying coverage or payment for a legitimate claim
  • Misrepresenting the meaning of a contract’s language

Insurance companies can legally deny claims if they do not meet the specifics in the policy holder’s contract, if it’s fraudulent, or if it’s not within the policy’s coverage limits – but, not if your claim is legitimate and inside your policy limits.

Protecting Yourself Against Insurance Bad Faith

There are preventative measures you can take in order to protect yourself from insurance bad faith, including: 

  • Know what your policy covers
  • File your claim immediately
  • Keep careful documentation of all communication with your insurance company
  • Contact an attorney, and challenge any case of coverage denial

Common Claims Resulting in Insurance Bad Faith

Our attorneys at Dyer, Coatney & Acuña are experienced in handling cases of insurance bad faith. Insurance bad faith cases are not limited to one type of insurance. Common claims that could result in insurance bad faith include:

  • Fire, floods, tornadoes or other weather damage
  • Car, truck or motorcycle wrecks
  • Health insurance
  • Death benefits from life insurance policies
  • Business insurance
  • Homeowners’ insurance

Have you had an insurance claim denied? Contact Dyer, Coatney & Acuña about your potential claim.