08 Apr Insurance Bad Faith and Car Accident Claims (Pt. 2)
Continuing from Insurance Bad Faith and Car Accident Claims (Pt. 1), here are some more common ways that insurance companies may practice bad faith with car accident claims.
Bad Faith Practice 2: Denying that You Have Coverage for Your Car Accident
As a distinct form of post-claim underwriting, this bad faith practice with car insurance claims involves alleging that an auto policy doesn’t cover a specific type of collision when, in fact:
- It does.
- Policyholders have been paying for this coverage.
- Insurers never notified policyholders that this specific coverage had been rejected or removed from the policy.
A common example of this form of bad faith for car accidents involves hit-and-run accidents. With these claims, policyholders who have uninsured/underinsured motorist coverage as part of their policies can be compensated for their damages and injuries under the terms of their own policies. However, insurers may try to allege that policyholders don’t have this coverage when drivers file hit-and-run claims against their auto insurance policies.
Bad Faith Practice 3: Delaying Investigations of the Car Accident
When you file a claim against your auto insurance policy, the insurer will generally conduct its own investigation into the accident to determine:
- Fault in the accident
- Whether you are entitled to compensation
- If so, how much compensation you deserve.
Although insurers should conduct these investigations as promptly as possible (realistically wrapping them up within a few weeks – or, for more serious collisions/complicated cases, within a few months), some insurance companies may draw these investigations out for as long as possible.
Their motivation, in these cases, is to try to compound the financial stress car accident victims are dealing with so that, when a settlement is finally offered in the case, the victim is desperate enough to accept it – despite the fact that it will likely be far less than he deserves.
If the investigation into your car accident claim has been going on for quite some time and you seem to be getting nowhere with your claim, it may be a red flag that you are being victimized by bad faith practices.
Look out for the third installment of this blog for some final thoughts regarding common ways that insurers may practice 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.
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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.