Have You Been Injured &

Denied an Insurance Claim?

What to Look For

When an insurance company denies a claim, that denial decision might not only be incorrect under the terms of the insurance policy, but also might be in bad faith. When determining whether or not an insurance company acted in bad faith, a court will use the “reasonable” standard. The court will evaluate the actions of the insurance company and determine if it was reasonable under the circumstances. If the insurer did not act reasonably, then the insurer has acted in bad faith.

An insurance company acts in bad faith when it:

  • Fails to investigate a claim in a prompt and timely manner.

  • Fails to investigate a claim in a proper or reasonable manner.

  • Withholds benefits without cause.

  • Unjustly delays the payment of your claim.

  • Unreasonably denies coverage.

  • Unreasonably refuses to defend you.

  • Unreasonably interprets its policy language.

  • Misrepresents policy provisions/coverage.

  • Fails to promptly communicate with you.

  • Makes claims payments to you without explaining the coverage under which the payments are being made.

  • Requires you to submit basically the same information more than once.

  • Fails to offer a settlement within a reasonable amount of time once the investigation is complete.

  • Delays making a payment concerning a settlement.

  • Undervalues your claim.

  • Underpays your claim.

  • Unfairly refuses to settle your claim.

  • Conceals any facts from you.

There are many examples of how an insurance company can act in bad faith. If you have suffered a loss, you have the right to recover the full value of that loss. If you made an insurance claim for benefits and your insurance company disputes your claim, denies coverage, refuses to pay insurance benefits, offers you an unfair, low ball settlement, or uses a variety of unfair stall tactics to delay payment of your insurance benefits, call Leverty & Associates Law Chtd. at (775) 624-5276 for a FREE CONSULTATION.