02 Apr Insurance Bad Faith and Car Accident Claims (Pt. 1)
Your insurance policy with your auto insurance carrier is a legal contract that entitles you to certain guarantees as long as you meet your end of the deal – which typically means that you pay your premiums in full on time. Despite the fact that you may complying with your side of the contract for your auto insurance policy, when it comes time to file a valid claim against your policy, you may be surprised to find that insurers don’t stand up to their end of the contract.
In fact, it’s not uncommon that insurance companies will attempt to:
- Find reasons to deny your valid claim
- Look for evidence that can “justify” paying you less than you deserve for your claim
- Otherwise act in bad faith.
If you aren’t used to dealing with insurance companies and you aren’t familiar with your rights, it’s likely that you won’t know when you have been the victim of insurance bad faith. However, the good news is that:
- With a little knowledge, you can easily spot insurance bad faith with car accident claims.
- You have rights and will likely be entitled to compensation when you have been the victim of insurance bad faith practices.
Here and in a few upcoming parts of this blog, we will spotlight some of the most common ways that insurers can act in bad faith with car insurance claims. If you recognize any of these actions in your dealings with your auto insurer, it’s time to call Phoenix Car Accident Lawyer Richard Langerman for help standing up to insurers and getting the settlement you deserve.
Bad Faith Practice 1: Denying that You Have an Active Auto Insurance Policy
This is a specific type of bad faith practice that is known as post-claim underwriting, and it is illegal. With this practice, insurers will generally try to tell you that you don’t have an active policy with them or that your policy was revoked at some point in the past – despite the fact that they never informed you of the revocation and that they have been taking your premium payments.
When you are told that you don’t have an active policy and you know that you do have one, it’s time to stand up against insurers and hold them accountable for their bad faith practices. Because this practice is unethical and illegal, insurers who practice it can be ordered to pay policyholders punitive damages.
Stay posted for the second and third parts of this blog to come for additional crucial information regarding insurance bad faith with car accident claims.
Phoenix Car Accident Lawyers at the Law Office of Richard Langerman
You have a choice in the lawyer you hire to handle your claim, and the choice you make can affect the compensation you receive. Make sure that your lawyer has the ability and experience to stand up to insurers and effectively handle your case. If you are battling with an insurance company over your car accident claim, the Phoenix personal injury lawyers at the Law Office of Richard Langerman will fight to help you obtain the highest possible compensation to cover your pain and suffering, lost wages, and medical bills.
For more than 25 years, our attorneys have been representing clients and aggressively defending their rights both inside and outside of the courtroom against defense attorneys, corporate lawyers and insurance company agents alike. In addition to having extensive experience handling motor vehicle accident lawsuits, our attorneys are also skilled at overseeing product liability cases, insurance bad faith cases and various other types of personal injury cases.
Learn More during a Free Consult
Call us today at (602) 240-5525 to learn more about your rights and receive professional advice regarding your case by setting up a free, no obligations initial consult with our trusted attorneys.