You pay your insurance bills month after month, and you expect your insurance to cover you after an accident or injury. However, insurance companies are notorious for trying to minimize the compensation they are forced to pay out.
Don’t simply accept the low figure that your insurance company offers. Fight for the money you deserve by hiring an attorney who has the necessary experience standing up to large insurance companies and demanding different results. Here’s what you need to know to handle a denied insurance claim.
Invoke the Term “Bad Faith”
Insurance companies have an obligation to act in “good faith” when handling claims. It is expected that they only deny claims if they have legitimate reason to do so. However, this doesn’t always stop insurance companies from denying claims in order to save money. This is known as acting in “bad faith.”
If you double check that your claim wasn’t denied for a legitimate reason, such as your failure to pay premiums, and you suspect that your insurance company has acted in bad faith, take the following steps to pursue your denied claim.
First, write a letter to your insurance company to expose their mistakes and provide documentation to prove your point. Some people have success with this simple method and find that their claim denial is overturned and they receive a fair settlement.
If your insurance company doesn’t give you the time or credit that you deserve, you have the highest odds of success if you hire a lawyer to begin the legal process for you. Insurance companies take claims far more seriously if an attorney works on behalf of the victim to demand honest results in good faith.
In fact, many companies only need the initial threat of a bad faith lawsuit to change their tune. Fighting denied insurance claims is a common process, which is why there are attorneys who specialize in helping homeowners, automobile owners, and others as they fight for the compensation they deserve.
Call (360) 526-8584 today to schedule a free consultation with The Law office of Joseph P. Bartek in Bellingham, Washington. Attorney Bartek has decades of experience taking on large insurance companies to successfully secure the compensation his clients deserve.