An Overview Of Bad Faith Insurance Claims

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An Overview of Bad Faith Insurance Claims

If you have ever filed a personal injury claim with the negligent party’s insurance company, you probably have first-hand experience with their infuriating gimmicks. If you have never had to deal with an insurance adjuster to date, consider yourself lucky. Believe it or not, insurance companies do not exist to serve humanity in their time of need. They might represent themselves as saviors of the oppressed, but in reality they are just looking out for themselves just like everybody else. Insurance adjusters trying to convince you to withdraw your claim or settle for a meager compensation amount are simply doing their job.

When a person interacts with an insurer to provide coverage for caused or incurred damages, he/she expects to be treated fairly; unfortunately, that is seldom the case. The insurance adjuster may pretend to be utterly sincere and persuade you accept their first offer, which is always far from reasonable; unfortunately, the claimant may not even realize the deceit until it is too late. However, the strategies of the insurer cannot be deemed illegal, unless you can prove that their actions went against the law, defied consumer rights, or were clearly unethical.

Disability Lawyer in Ocala, FL, has represented many clients who encountered bad faith tactics while negotiating with an insurance adjuster. Truth is, proving bad faith can be difficult, as it not always obvious. You may not be able to establish that an insurer has unlawfully rejected your claim, delayed response/payment, or denied you a reasonable settlement, unless you have substantial knowledge regarding personal injury law and how insurance policies work. When you hire a legal representative, you don’t have to worry about falling victim to bad faith tactics.

The purpose of a bad faith insurance claim is to give the insurance company an opportunity to correct its mistake and reconsider your settlement. Nonetheless, you can go ahead and file a lawsuit if they refuse to cooperate or be reasonable. It is important to build a strong case before you take serious legal action. You can start by reviewing your insurance policy documents and discussing your case with an experienced local attorney. 

Common Examples of Bad Faith Tactics

Many insurance companies make big promises, but don’t deliver when the times comes. It is integral to read the fine print of the paperwork and only sign the contract after you have confirmed that its content matches what was stated verbally. If the insurance company does not abide by the terms of the agreement/contract, you can easily hold them liable in court. The insurer adjuster may attempt to manipulate or misrepresent facts of the policy, so it is best to seek legal assistance in such matters.

More than often the insurance company recognizes that a claim is legitimate, but they intentionally put it on hold to avoid a payout. Many claimants are not familiar with statute of limitations for a claim, so they are left baffled when they later receive a notice saying that they are no longer eligible for compensation. Some insurance adjusters do not even make an effort to fake decency. They will outright reject your claim, without even investigating it first. If you request an explanation, they will make lame excuses or fail to provide any rational answers.

Many insurance companies test the patience of claimants by making them wait for a long time, ignoring calls, refusing to negotiate, and changing agents at every meeting. Some might even use rude language or abusive behavior to intimidate you.

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