bad faith insurance claims
Insurance companies are notorious for being difficult to work with. But while we may dread getting them on the phone, we never expect them to treat our case unjustly. We give our insurance providers a lot of money each year to ensure that our investments, property and lives are protected and covered. When something happens to harm or threaten these things, we expect our insurance company to help us with the recovery, not to stifle us or make things worse.

Unfortunately, at the end of the day, insurance is a business and businesses are focused on one main thing: profit. Because of this, they are sometimes known to act in “bad faith” meaning they are valuing profit over you and use insurance jargon to avoid paying you what you deserve. Following an accident of any kind, it’s important to hire an experienced attorney so you do not have to deal with the insurance company on your own. There are many different types of bad faith actions insurance companies take and it’s important to know all of them so you can get an attorney involved right away.
They Won’t Pick Up the Phone
After an accident, an insurance company needs to get involved right away as claims need to be entered and evidence and information needs to be gathered. If you can’t get your provider on the phone or they continually tell you they will get back to you and don’t, you may be falling victim to bad faith. The more time it takes to get a claim entered, the more likely your claim can be devalued.
They Deny You
It’s important to note that an insurance company is allowed to deny your claim. In order to deny it properly, they need to have the evidence to back up their reasoning. If a denial happens quickly or your provider fails to provide any reasons as to why it was denied, it’s likely the company is acting in bad faith. 
They Give you a Low Offer
An experienced attorney will be able to assess just how much you should be receiving from your insurance based off your case and your plan. Often, an insurance company will first delay a settlement and then try to offer you something less-than-desirable. They feed on the fact that you are desperate for some type of payout and hope you will take something less than you deserve. If this starts to happen to you, it is a sign that you may need an attorney to help you fight the battle and get you full compensation.
They Threaten You
It may be hard to imagine, but sometimes, insurance companies will resort to harsh tactics to avoid paying you. If they threaten to cancel your policy, deny your claim or scare you into accepting something lower than you deserve, that is the strongest sign that they are acting in bad faith.

They Ask for Extra Documents

As a way of delaying the claim or making the process difficult for you, an insurance provider may ask you to provide them with documents that don’t pertain to your case. This is their way of trying to get you to essentially give up on the claim and take a lower offer.

If you feel that your insurance company is acting in bad faith following an accident, it’s imperative that you contact an attorney. The lawyers at Balkan & Patterson have tons of experience helping victims of unjust insurance companies and will work hard to help you get the compensation you need and deserve. For more information about how we can help you, contact us today at 561-750-9191 or visit our website.