Most people pay their insurance premiums and hope they never have to use their policy. When something happens, however, they expect their insurance company to take care of it – and rightfully so.
Unfortunately, often insurance companies will do anything they can to protect their profits. This includes violating the terms of your policy or otherwise acting in bad faith in not honoring the policy.
If you are struggling to get the coverage you paid for, don’t go up against your insurance company alone. Instead, recruit Elizabeth A. Citrin, P.C. and allow our firm to stand by your side.
With the no-nonsense approach of our Daphne bad faith insurance lawyer, we will fight for your coverage and pursue additional compensation for your troubles.
What Is Insurance Bad Faith?
Insurance bad faith occurs any time an insurer tries to go back on its promises to you. Companies do this by denying legitimate claims, delaying investigations, making unreasonable demands, purposely misinterpreting policies, or using abusive tactics. Insurance companies can also act in bad faith if they fail to disclose policy limitations and exclusions to you before you purchase a policy.
While a disagreement with your insurance adjuster or a mistake at the company does not constitute bad faith, failure to explain or account for these events can indicate wrongdoing. Insurers in any industry can act in bad faith.
If you suspect bad faith in your uninsured/under-insured motorist insurance, business & commercial insurance, homeowner’s insurance, or life insurance claim, call our legal team at (251) 202-3374.
First-Party Insurance Bad Faith
This type of bad faith insurance happens when an insurer mishandles your claim to protect its profits. Examples of first-party insurance bad faith include:
- Referring, relaying or “partial denial” your claim
- Denying your claim without a valid reason or explanation
- Significantly undervaluing your claim
- Causing unreasonable delays
- Failing to acknowledge and act on a claim
- Refusing to approve or deny a claim in a timely manner
- Misinterpreting the language of your policy
- Making arbitrary demands for proof of loss or demanding multiple proofs of loss
- Bullying, threats or ultimatums
- Coercing you into taking the amount the insurance company has deemed your claim is worth
- Denying you the opportunity to get your own expert(s)
Do any of these behaviors sound familiar to you? If so, reach out to our bad faith insurance attorney today!
Third-Party Bad Faith Claims
These claims involve liability insurance and happen most often with car insurance policies. If you have a liability policy with an insurer, that company has a responsibility to protect you from liability and economic losses. If they fail to defend you within the limits of your policy, they are acting in bad faith.
Types of Damages in Bad Faith Lawsuits
A successful bad faith lawsuit can cover the costs of your initial first-party claim or the losses and expenses you suffer in litigation regarding liability. Additionally, you may be awarded damages for emotional distress and punitive damages, which are designed to punish the insurance company for its misbehavior and prevent similar acts in the future.
Our firm will request all applicable damages and build a case to help maximize your payout.
Why Choose Attorney Elizabeth A. Citrin?
As the founder and managing partner of Elizabeth A. Citrin, P.C., Attorney Citrin has over 2 decades (nearly 25 years) of experience in personal injury and insurance law. She understands what you are going through and is not afraid of big insurance companies.
Further, she knows that each client is different and will take a personalized approach to create a unique case on your behalf. With a working knowledge of your claim, your rights, and your goals, our legal team can seek the most favorable outcome for you and your family and help you secure your future.
Contact Our Firm
"I focus on the legal issues, while you focus on what is most important—you!"