Bad Faith Insurance Claim: Know the Process, Steps and Final Way Out

When you are out in your car on the busy roads, it is possible to collide with another car. It is also possible that, despite having no fault, you could be involved in an accident and your car could be damaged. As the U.S. government mandates car insurance for every car owner, the insurance company is supposed to have your back in a crisis.

But there is a catch. There are many insurance companies that don’t help the insured people with their deserving claim at the time of crisis. When an insured person doesn’t get a claim from the company, the case is tagged under “bad faith insurance,” and the person can hire a bad faith insurance lawyer. Delaying the claim due to an unintentional mistake doesn’t fall under the same tag. Otherwise, you should request  the help of a lawyer.

When Should You File a Claim?

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Delaying is highly avoidable in this case. Immediately after the collision, the car owner—you—needs to contact the insurance company to explain the scenario. You can file a claim if your car is damaged for any other reasons apart from an accident, such as being stolen or vandalized.

When you are filing a claim, ensure that you have your policy number and other credentials along with the start and end date of the policy; date and time of the incident; name, address and phone numbers of the other driver, witnesses and passengers; and the license and license plate number of you and the other driver.

How Do You File a Claim?

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Between the two processes of filing the claim and receiving it, there are some other steps to take, and while processing this, the insurance company may give you trouble. Let a bad faith insurance lawyer handle the process to avoid any such problems. Here are the steps:

  • You need to consult with a professional of the car insurance company.

  • Discuss the details of the coverage and as questions if there is any confusion regarding it.

  • Let the professionals evaluate your claim by inspecting your car, other evidence of the accident and injury, and the initial payment.

  • At this stage, you will get the claim if all the conditions line up properly, and after that the case will be closed.

If the accident causes you any injury, the insurance company is supposed to provide coverage for that. This is called medical coverage, and it includes all related medical bills. The immediate payment of the reimbursement should be done once you show all the evidence properly to the insurance company. This belongs under the policy of any insurance company. If the company breaches that, your bad faith insurance lawyer, whom you can hire to handle the legal procedures, can deal with it.

For a reliable attorney to deal with your bad faith insurance case, you can contact The West Law Firm, which provides experienced professional bad faith insurance lawyers to assess your problem and take initiatives to solve it.

** Disclaimer: The above article does not imply a relationship between attorney and client, nor is it legal advice.