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Understanding Bad Faith Insurance Lawsuits

Insurance coverage is a complex area of the law. It is widely understood that insurance companies owe their policyholders a duty of good faith and fair dealing. If your insurance company fails to act reasonably in processing, investigating, or paying your claim, you might have the right to file a lawsuit. This type of lawsuit is called a “bad faith” lawsuit.

Below are some of the most common insurance company bad faith acts:

  • Unreasonable delays in paying you benefits when the insurance company has all the information necessary to tender benefits
  • Failing to notify insureds that coverage may exist for the loss or explain how the coverage may apply to the loss
  • Denying the validity of your claim regardless of whether the claim is valid under the terms of the policy
  • Delaying an investigation of the claim and/or dragging out the investigation by transferring your claim to multiple adjusters
  • Interpreting the policy language to find a way to deny your claim contrary to law
  • Failing or refusing to thoroughly investigate the claim
  • Making you a lowball offer
  • Promising that a claim would be paid and then later refusing to do so

If any of the above is something that you have experienced with your insurance company, we advise you to seek legal advice as soon as possible. Deadlines are of the utmost importance when dealing with insurance companies. The sooner you seek legal representation the better it will be for your case.

At Fulmer Sill, we are here to handle all of your bad faith litigation needs. Whether you need assistance with motorist or homeowners coverage, life insurance, or health insurance cases, our experience, resources, and knowledge will maximize the results for you. Contact us today at (405) 433-7414 to get started on your free case evaluation.


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