Insurance Litigation

When it is said that an insurance company has acted in bad faith, this does not refer to any one particular action. It depends on the specific circumstances of your case. For instance, if they have refused to make a reasonable settlement despite your case fitting the terms of the policy, they can be said to have acted in bad faith. In another case, they may have dragged out investigations to the point that your stature of limitations is almost up, and this can be considered another case of having acted in bad faith.

Just as doctors have a duty of care to their patients, insurers owe a duty of care to policyholders. This includes a duty to pay a judgment up to the limit of coverage, defend a claim that fits the terms of the policy and provide the agreed-upon benefits according to the terms they have agreed to with the policyholder.

If your insurance claim is denied:

• Review the denial letter: Understand the reasons for denial.
• Gather documentation: Collect all relevant documents, including the policy, claim forms, and correspondence.
• Contact the insurer: Try to resolve the issue directly with the insurance company.
• Seek legal advice: Consult an attorney if the issue remains unresolved.

An attorney can:

• Evaluate the merits of your case.
• Advise you on legal strategies.
• Represent you in negotiations and court.
• Gather and present evidence.
• Advocate for your rights and seek the best possible outcome.

Subrogation is when an insurance company seeks reimbursement from the party responsible for the loss after paying a claim to the policyholder. This helps insurers recover their costs and keep premiums lower.