Insurance Law covers the business of insurance and how insurance claims are handled. If you've had your insurance claim denied, or believe your insurance company has practiced bad faith insurance or health insurance fraud, an insurance lawyer can help with your insurance claim.
Denied Insurance ClaimsInsurance Law ensures that insurance companies pay claims with good faith—willingly, promptly and properly. It is illegal to practice bad faith insurance and insurance fraud by willingly discounting, delaying or denying payment of claims. In the US, insurance companies are bound by a "covenant of good faith and fair dealing" in treating their policyholders, which means that the insurance company is under an obligation to pay a legitimate claim. If an insurer breaches this covenant, it is acting in bad faith.
State statutes require that an insurance company responds to a claim within certain time limits. Insurance companies that breach their duty of good faith and fair dealing may also be liable under certain state deceptive trade practices acts.
If your insurance company has wrongfully delayed or denied your disability claim, it may constitute insurance fraud. Unscrupulous insurers deny valid disability insurance claims to make more money from their policy holders. Claims are denied for a number of reasons, including the following:
An insurance lawyer can help you make an insurance claim for actual and consequential damages as well as punitive damages.
Bad Faith InsuranceYou buy an insurance policy and assume that you will be compensated by the insurance company if you suffer a loss. Your policy is a contract signed between you and an insurance company that sets out terms and conditions specifying the amount of coverage or compensation payable to you should you claim a loss or injury. Depending upon your contract, it may cover you against a personal injury or damage to your vehicle or a catastrophic event.
Sounds straightforward—you buy insurance and assume that you will be compensated by the insurance company if you suffer a loss. Unfortunately, this is not always the case. Some insurers will deny your legitimate claim even if they don't have a valid reason to do so. When an insurance company breaches your trust, you feel betrayed. The company is then acting in bad faith. Generally, these insurers employ tactics that will try to wear you down; they count on you not having any recourse. An insurer may attempt to refuse to pay all or part of your medical bills or delay investigation of your claim for no reason except to hope that you will go away.
Other bad faith insurance tactics include the following:
What You Can DoWrite to your State Department of Insurance. In the US, each state regulates insurance companies and every state has its own Department of Insurance website. Once you know the website of your state regulatory agency Department of Insurance, find the right representative and submit a complaint in writing to make sure that your claim is on record.
Keep a record of everything that transpires between you and your insurer, including phone calls. Keep a paper trail. And request copies of your medical records - it is your right.
You can go to small claims court but each state has its own limit - find out first. If your claim is too high for small claims court, you may want to seek an insurance lawyer.
Insurance Bad Faith LawyerIf you have experienced bad faith insurance, you will need the help of a qualified insurance bad faith lawyer. It is important that you find an experienced insurance bad faith lawyer to handle your case. LawyersandSettlements makes it easy for you to find the right bad faith insurance attorney. We work with attorneys throughout the US and Canada who practice in this specialized area.
As well, LawyersandSettlements.com provides comprehensive bad faith insurance news coverage that aims to keep the public informed. We provide an online legal news source that includes interviews with Insurance Bad Faith Lawyers.
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If you have been denied a legitimate insurance claim, please click the link below to send your story to a lawyer who will evaluate your claim at no cost or obligation.
Updated on Oct-16-10