WERE YOUR INSURANCE CLAIMS HANDLED IN BAD FAITH?
Insurance offers you peace of mind and protection in case of accidents, injuries, illnesses, and other misfortunes. But with profitability as their main priority, insurance companies do not always handle claims in good faith. If you’re the victim of fraudulent and dishonest actions regarding your insurance claim, our Wheeling insurance bad faith attorney can help.
Unlike other law firms, our Wheeling bad faith insurance attorney at Ghaphery Law Offices can provide compassionate and quality legal representation in West Virginia to ensure that you get the compensation you deserve.
What is Considered Acting in Bad Faith?
An insurance company is said to have acted in bad faith if they fail to fulfill the obligations stated in their policy and/or the laws in the state where the claim was made. Some actions that shows that an insurance company is acting in bad faith include:
- Having unreasonable and unnecessary requirements to process claims;
- Failure to pay claims on time or deny claims within a reasonable amount of time;
- Failure to pay claims owed, or settle claims in a timely manner;
- Failure to explain reasons for denying a claim; and
- Failure to defend you against a claim, including failure to hire an attorney on your behalf.
If you’re considering filing an insurance bad faith claim, make sure to discuss your situation with an experienced insurance lawyer. Our compassionate and skilled Wheeling bad faith insurance attorney can evaluate your situation, discuss your legal options, and make sure that your rights are protected every single step of the way.
How to File Bad Faith Insurance Claims
1. Review your policy and track the progress of your insurance claim.
The first thing you need to do is to get a full copy of your insurance contract and make sure that your claim is covered by your policy. Our Wheeling bad faith insurance attorneys can help you review your insurance policy and take the necessary steps to file and follow up your insurance claim.
2. Document your claim denial and appeal.
If your claim gets denied, the next step is to ask your insurance company to review the claim and their decision. Make sure to keep a record of your interactions with the company and their statements regarding the claim decision.
3. Make a final demand with your insurance company.
Before you can file a lawsuit, you need to send a letter to your insurer detailing your claim and expressing your intent to file a bad faith claim should they fail to pay your claim by the allowed time. Our Wheeling insurance bad faith lawyer can evaluate your situation and determine whether you have grounds to file for a bad faith claim.
4. File a complaint with the Department of Insurance.
If your insurance claim was mishandled or you failed to receive settlement on time, you may file a complaint or a lawsuit to your state’s Department of Insurance. An experienced insurance attorney can help you decide which is the best step for you to take.
5. File an Insurance Bad Faith Lawsuit.
Pursuing a bad faith claim against an insurance company is not an easy task, which is why it’s important to get legal help from an experienced insurance lawyer. Our Wheeling insurance bad faith attorney can provide assistance throughout your bad faith claim process and ensure you get the compensation you deserve.
Why You Need an Insurance Bad Faith Attorney
When settlements are unnecessarily delayed, and insurance claims are denied without a valid reason, the court may find these insurance companies to be acting in bad faith. If you wish to file a bad faith insurance claim, it’s important to have a trusted insurance bad faith lawyer by your side.
Insurance bad faith cases are used not only to seek the payment for the original claim, but also to get compensated for damages. Cases for bad faith claims are too complicated to take on by yourself.
If you’ve been wronged by your insurer, our skilled Wheeling insurance bad faith lawyer at Ghaphery Law Offices can investigate your case and discuss the legal actions you can take if your insurance claim was handled in bad faith. Call us today at 304-230-6500 to schedule a free initial consultation today!