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How to Spot Bad Faith Insurance and What to Do About it

How to Spot Bad Faith Insurance and What to Do About it

As an insurance policyholder, you should have a reasonable expectation that your insurance provider will act with honesty, timeliness, and intent to follow through on the terms of your contractual agreement. When an insurance company does not fulfill its obligation to behave in such a manner toward policyholders, this is known as acting in “bad faith.”

Signs Your Insurance Company Is Acting in Bad Faith

Your insurance company may be acting in bad faith if they are guilty of any of the following:

  • Delaying payment for legitimate claims
  • Denying payment for claims without a legitimate basis for doing so
  • Offering unconscionably small payments for a valid claim
  • Failing to respond in a timely manner (or at all) to calls, mail, email, etc.
  • Requiring a disproportionate amount of documentation to prove the validity of a claim
  • Distorting the language contained in laws, contracts, policies, etc. in order to avoid paying out on a valid claim
  • Failing to appropriately investigate valid claims (or investigate them at all)
  • Displaying belligerence or unwillingness to offer reasonable explanation for denying a claim
  • Resorting to threatening, bullying, rudeness, or other uncooperative behaviors in order to intimidate

What to Do if Your Insurance Provider Acts in Bad Faith

If any of the above apply or you believe your insurance provider is exhibiting other signs of bad faith and intent to deceive, there are a few things you should do:

  • Keep a log of all communication with the company and its employees (such as claims adjusters) and document all physical and digital communication.
  • Write a letter to your claims adjuster. If your claim has been denied, request a clear, detailed explanation of their reasons for rejecting it.
  • Be sure to be as detailed and specific as you can when communicating with your insurance company and your claims adjuster, whether on the phone, in an email, or in writing.
  • If your claims adjuster does not cooperate with you by providing a documented explanation of their reasons for rejecting your claim, write a letter to your insurance company stating your reasons for believing the claims adjuster is acting in bad faith.
  • Contact a bad faith insurance attorney right away. You don’t have to stack up evidence before getting legal counsel, and you don’t have to wait until you’ve exhausted all other options before bringing in an experienced bad faith insurance attorney. In fact, with the right legal representation on your side from the beginning, you may be able to avoid bringing a suit or engaging in a protracted legal conflict with your insurance provider.

Our Daytona Beach Bad Faith Insurance Lawyers Are Here to Help

At Politis & Matovina, P.A. we believe your insurance company should be held accountable when they deceive, harm, or fail to fulfill their legal obligation to pay out on valid claims. When they act in bad faith, we know what it takes to help you get the compensation you deserve and work toward the best possible settlement in your case. Let us help by scheduling your complimentary case evaluation today.

Call (386) 333-6613 or send us an email to start the conversation.