The Details of Bad Faith Insurance Claim
Insurance companies have a legal obligation to honor the terms of their contracts with their customers. Insurers have a legal obligation to treat policyholders fairly and honestly following accidents, injuries, and other covered losses.
A bad faith insurer is one who denies, delays, or refuses to pay out on a policyholder's insurance claim for no legitimate reason. It is possible for an aggrieved policyholder to sue his or her insurance company for additional compensation (damages) in addition to the denied claim amount.
The West Law Firm's bad faith insurance lawyers are committed to protecting the rights of Oklahomans who find themselves in insurance coverage disputes or other bad faith responses to legitimate claims. Recovering millions for clients in correlation with bad faith claims is something we've become known for over the years.
The West Law Firm's Oklahoma City bad faith insurance claim lawyers are here to help if you believe your insurance company is going to treat you unfairly while you are filing an insurance claim. Fighting for justice and fairness is something we're prepared to do.
It's Important to Understand What Insurance Bad Faith Acts Are
We know if we're being treated unfairly when we deal with an insurance company. As long as you don't go out of your way to be disrespectful, you're fine.
In the aftermath of an accident, our Oklahoma City bad faith insurance lawyers have a long history of successfully negotiating with insurance companies and filing lawsuits to secure compensation. We understand that most insurance companies work hard to minimize the amount they pay out on a claim. When an insurance policyholder files a claim with his or her insurance company, he or she is subjected to unfair treatment. Insurance companies in Oklahoma that act dishonestly are pursued by the state's legal system.
Insurance Acts Failure to disclose or misrepresent insurance benefits, coverage, or other policy provisions that are relevant to a claim constitutes a form of bad faith insurance.
Negligence in the investigation of a claim;
Legal responsibility has become reasonably clear, but the parties involved are not working in good faith to resolve the matter quickly and fairly;
Imposing time limits or deadlines not specified in the insurance policy;
Asking the insured policyholder to sign a release that extends beyond the subject of the claim at hand;
Trying to deny a valid claim since this insured person has not taken steps that the insurer has not requested or has not refused;
Paying out partial settlements that include language going to release the insurer from any further payments;
Health insurance companies are prohibited from denying payment for medical services, supplies, or procedures that have been deemed unnecessary by licensed health care providers (e.g., a medical exam or claim review) that are available to the policyholder.
When able to file an insurance claim in Oklahoma, if you have encountered any of the following bad faith tactics, you should immediately seek qualified legal assistance. Without charging you, we can sit down with you and go over your situation and evaluate your insurance policy and any other paperwork you have.
We understand the importance of ensuring that your rights are protected and that insurance companies are held to the law. That means that if we retrieve compensation for you, you only pay legal fees. Consider scheduling a free consultation with us to learn more about your legal options.
** Disclaimer: The above article does not imply a relationship between attorney and client, nor is it legal advice.