When you pay your insurance premiums, you expect to be taken care of in the event of a personal injury or damage to your home or vehicle. Unfortunately, that is not always the case. Some insurance companies will deny your claim, or attempt to settle for an extremely low amount of money. When insurance companies do this, it is called insurance bad faith. An insurance company’s goal is always to make (or keep) money first, and help you second. This practice can cause financial distress on anyone who is facing difficult circumstances. Whether you’ve filed a claim with your health, homeowners, or auto insurance provider, you deserve the coverage you pay for. Let’s review 3 steps to take if you believe that your insurance provider is acting in bad faith.
- Review Your Policy & Your Claim
In some cases, insurance companies use confusing or unclear language in their policies to make it seem like they will cover an injury or incident that they really don’t. In this case, they are within their rights to deny your claim. So the best thing to do is to fully understand what is covered and what is not covered under your current policy. If you are sure that your claim should be covered, review the claim you submitted and see if there is a way you can include more evidence.
- Contact An Independent Adjuster
With some claims, a second opinion is needed. Everyone has different opinions, and everyone makes mistakes sometimes. So, if you believe you need a new roof, or that your car is totaled, you can pay an independent claims adjuster to take a look at the damage and submit their findings to your insurance company. Your insurance company isn’t required to listen to the third party adjuster, but it is definitely a step in the right direction. Additionally, independent adjusters usually only get paid if you do, so they tend to work in your best interest.
- Hire an Attorney
When you’ve found that your insurance company is acting in bad faith, you have a right to legally force them to pay your claim. You may also be entitled to additional compensation for their bad faith. Hire an experienced insurance bad faith attorney to help you. At Seufert Law, we will review your policy and claim to ensure you are within your rights. Then we will fight for you to get you the compensation you deserve.
If you believe that you are a victim of insurance bad faith, contact Seufert Law today.