Tulsa Bad Faith Insurance Lawyer

Tulsa Bad Faith Insurance Attorney

An insurance policy is supposed to bind both parties to an agreement. When an insurer does not abide by the terms of the agreement, it’s up to you to hold them accountable for their actions. If you suspect an insurer is engaging in bad faith practices, you may be able to recover damages for your losses through a bad faith insurance claim. When an insurance company fails to uphold its agreement, you deserve the help of a Tulsa bad faith insurance lawyer.

At Fulmer Sill, we are committed to protecting Oklahomans from insurance company misconduct. You can count on our Tulsa personal injury lawyers to be there when you need us, no matter the scope of your case.

We are comfortable handling tough negotiations with local insurance providers and aren’t afraid to take matters to the Tulsa County District Court if we’re unable to settle through negotiations. With decades of insurance law experience under our belt, we’re confident we can help you.

Call Fulmer Sill today at (405) 510-0077 or contact us online to schedule a consultation with our bad faith attorney in Tulsa.

Bad Faith Insurance Claims in Tulsa

Insurance is a necessity in today’s age for many aspects of life. Unless you’re independently wealthy, you can’t handle most big purchases or costs without it. Insurance premiums across the entire country have been on the rise in recent years. Personal auto insurance has increased by nearly 40 percent between 2020 and 2023 alone.

Homeowners insurance premiums have also seen a significant increase, and Oklahoma is already known for having the highest premiums in the nation. Oklahoma drivers are also required to carry minimum liability coverage. It is estimated that the average cost of auto insurance in the state is more than $1,600 a year.

With costs this high, you want to be able to trust your insurance policies. Like most people, you rely on insurance companies to protect you in your times of need. Unfortunately, sometimes the people who are supposed to protect us can end up acting in bad faith.

Insurance companies have little federal oversight, which gives them a lot of leeway when creating and handling their policies. That said, Oklahoma insurance companies are still governed by state laws. Under Oklahoma law, insurers have a duty to handle claims with good faith and fair dealing. If you encounter an issue with your insurance provider, a Tulsa bad faith insurance attorney is your last line of defense to hold them liable for their actions.

An insurance policy is a legally binding contract for both parties, which means policyholders can hold their insurer liable if they do not uphold their end of the deal. Still, this leaves the insured party vulnerable when they are left facing a severe injury and are unable to file their claim for compensation successfully.

It is recommended to reach out to a Tulsa bad-faith insurance claim attorney as soon as possible to help you through your claim. Recovering damages for injuries is difficult enough. Seeking that coverage after it has been denied can be even more challenging. That said, anything is possible with the right support on your side.

Filing a Bad Faith Insurance Claim in Tulsa

Your insurance company has a responsibility to investigate claims thoroughly and evaluate the results fairly. Unfortunately, this isn’t often the case. It’s important to have the right evidence if you wish to file a claim and recover the appropriate damages for your losses from an insurer’s bad faith act.

It’s important to act quickly if you believe your insurance provider is engaging in bad faith practices. If you want to file a bad faith insurance claim in Tulsa, you must be prepared to prove that your insurance company breached its duty of good faith and fair dealing. This requires proving various elements, including:

• Your loss was covered by your policy
• Your insurer’s denial of the request was unreasonable
• Your insurer failed to deal fairly and act in good faith when handling the claim
• This act of bad faith directly caused your damages

Be sure to keep a detailed record of all communications with your insurance company and compile any other related evidence, such as medical records, photos, and repair estimates, to support your claim.

When you file a bad-faith insurance claim, you can expect to do so with the Oklahoma Department of Insurance. Depending on the details of the situation, they may prompt an investigation into your insurance company and help you protect yourself throughout the claims process.

It’s important to work within the deadlines set forth by Oklahoma law if you wish to recover damages. Missing any deadlines can give your insurer reason to deny your claim. If you have any concerns about a claim, it’s wise to consult with an experienced Tulsa bad faith insurance attorney as quickly as possible.

Ultimately, you must determine whether the insurance provider had a good-faith belief that justified their decision to deny the claim. If they didn’t have a good reason to deny your claim and are still refusing your access to benefits, you likely have grounds to file a bad-faith insurance claim.

While this may seem simple in concept, these claims can be complicated. It’s wise to seek counsel from a knowledgeable Tulsa bad faith insurance attorney as soon as possible to help you through the claims process. Your lawyer can make sure you know your rights and help you recover the full amount of compensation for your losses.

Collecting Evidence for a Bad Faith Claim in Tulsa

It’s important to act quickly if you believe your insurance provider is acting in bad faith. The more documentation you have of your attempt to file a claim and the incident that led to it, the better. You can begin collecting a lot of information on your own, but it’s still recommended to hire a bad faith insurance lawyer to help you support your claim with crucial pieces of information.

Your attorney can open their own investigation to help you collect more evidence that supports your claim and secures you the compensation you’re owed. This includes getting testimonies from expert witnesses.

Expert witnesses can play a big part in the success of a bad-faith insurance claim. Their professional opinions can help determine whether an insurer was justified in not honoring a claim. There are many types of expert witnesses that may be helpful depending on the nature of the case. Common types of witnesses include:

• Former claims managers
• Former insurance adjusters
• Medical professionals
• Other industry professionals

With the right witnesses, you can provide compelling evidence that supports your claim and secures you the compensation you deserve.

Recoverable Damages From Bad Faith Claims in Tulsa

Every bad-faith insurance claim is different. The amount you can recover from a bad faith claim can vary depending on the details of the case. If you are successful with your claim, you may be entitled to recover the original claim amount as well as consequential damages, attorney fees, non-economic damages, and sometimes even punitive damages.

Consequential damages include things like indirect financial losses that were a direct result of the bad faith act. It’s important to note that there’s a $500,000 cap on non-economic damages like pain and suffering under Oklahoma law. It’s important to gather the right evidence to seek the settlement you deserve. A Tulsa bad faith insurance lawyer can help you pursue full compensation.

Hire a Bad Faith Insurance Lawyer

If you’re dealing with an issue with your insurance company, it’s wise to work with a local law firm that has experience navigating Oklahoma bad faith insurance laws. Fulmer Sill has been helping Oklahomans settle bad faith claims for decades. Over the years, we’ve recovered millions for our clients, including, but not limited to: 

• $4,100,000 settlement for denial of heart attack insurance policy benefits
• $2,750,000 settlement for denial of an Uninsured Motorist claim
• $2,400,000 settlement for denial of life insurance benefits
• $1,500,000 settlement for denial of Uninsured Motorist Coverage
• $1,400,000 settlement for denial of health insurance benefits

When you choose us as your legal team, you can rest assured you’re working with professionals you can trust. We embrace new technologies to streamline litigation practices, reduce unnecessary costs and delays, and do our part to stay ahead of the curve. Plus, we lead with compassion.

You can count on us to handle big cases without big egos. We know how to navigate through negotiations and litigation in the Tulsa County District Court alike. No matter the scope of your case, you can count on us to be there to help. At the end of the day, what we care about most is empowering injured people in every way possible.

FAQs

What Are Examples of Bad Faith Acts Made by Tulsa Insurance Companies?

Examples of bad faith acts made by Tulsa insurance companies can vary depending on the type of insurer and the unique details of the situation. It’s important to be able to recognize common types of bad faith acts to protect yourself. Common insurance company bad faith acts in Tulsa include denial of claims without investigation, failure to notify about coverage, failure to pay a claim, unfair policy interpretations, and unreasonable delays in paying benefits.

How Do I Prove an Insurance Company Is at Fault in a Bad Faith Insurance Claim in Tulsa?

How you prove an insurance company is at fault in a bad faith insurance claim in Tulsa lies in the strength of your evidence. If you believe your insurance company is engaging in bad faith practices, it’s critical to act quickly. Be sure to document all communications with your insurance provider and be as detailed as possible. The more evidence you have, the better. It’s wise to collect medical records, photos and videos, repair estimates, and any other relevant documentation.

How Can a Tulsa Bad Faith Insurance Attorney Help With My Case?

How a Tulsa bad faith insurance attorney can help with your case is ultimately up to you. Your legal team is there to support you in whatever way you need throughout the bad-faith insurance claim process. A Tulsa bar faith insurance lawyer can help you understand your rights and secure the compensation you’re owed. They can open their own investigations, negotiate terms, and represent you through litigation if necessary. They’re there to help you secure the compensation you’re owed.

What Damages Can I Recover in a Bad Faith Insurance Claim in Tulsa?

What damages you can recover in a bad faith insurance claim in Tulsa depend on the details of your case. You can typically recover both economic and non-economic damages through a bar faith insurance claim to cover direct and indirect losses. Direct losses include contract damages and any financial losses resulting from the bad faith act. Indirect losses may include things like emotional distress, pain, and suffering. Oklahoma law caps non-economic damages.

Tulsa Bad Faith Insurance Lawyer

You want to be able to trust your insurance provider, but the unfortunate fact of the matter is that issues arise all the time with claims made in bad faith. If you’re involved in a bad-faith insurance case in Oklahoma, it’s important to act quickly to protect yourself. A Tulsa bad faith insurance lawyer can help you understand your legal options and form a strong strategy for recovering damages for your losses.

Our local attorneys have been handling bad faith insurance claims in Oklahoma for decades. We’re comfortable negotiating with insurance companies and going through litigation if negotiations out of court are unsuccessful. You can count on our team to be there to help you recover a fair settlement based on your losses. We take the time to learn your story to help you through your case.

If you’re ready to discuss your situation in more detail, our Tulsa bad faith insurance lawyers are here to listen. You can contact our office to schedule a consultation with a member of our team to get started. We’re in Oklahoma City right off I-235, and when you want to come in and meet us for yourself.