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What Is Bad Faith?

Your insurance policy is a paid-for promise by your insurer that they will protect you when you need it. Therefore, they have a duty to negotiate and settle claims in good faith. Unfortunately, this doesn’t always happen. Insurance companies may be practicing in bad faith if they fail to handle claims with a reasonable degree of efficiency and ethical conduct toward the party who was injured or lost property. This can include purposefully delaying making a determination, failing to give you a valid reason why your claim is being denied, lowballing the value of your claim, and more. If you suspect that your insurer has failed to handle your claim with the fairness it deserves, leading to a denial of your claim, contact the Law Offices of Dan Davis as soon as possible. We’re here to help you pursue damages for the mishandling of your claim.

Disputes with Insurance Companies

Many accident victims find themselves in disputes with an insurance company over the validity or extent of their claim. Some of these disputes constitute bad faith insurance practices. Our experience shows us that many of these disputes are nothing more than a delaying tactic on the part of the insurance companies. They recognize that a person facing expensive medical bills and an inability to return to work may settle for less the longer the matter “drags on.”

A law office experienced with personal injury law may be able to help you overcome delays in the claim process by effectively handling efforts to deny a claim.

Examples of insurance bad faith tactics to delay the claims process may include:

  • Insurance company doctor concludes the accident victim is not seriously injured
  • Taking advantage of the fact that an accident victim can’t recall, describe, or document exact details of the accident, such as speed or distances
  • Claiming that safety features on victim’s vehicle (headrest, seat belts, rear view mirror, turn signal, etc.) were not properly installed, maintained, or used
  • Claiming that the victim’s lack of attention or improper driving was to blame for the accident