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5 Signs Your Insurance Company May Be Acting in Bad Faith

January 22, 2019

We depend on insurance companies to protect our investments and help us out in times of need. While many insurers fulfill their promises and adhere to the terms of their policies, some act in bad faith. When an insurer acts in such a way, it unreasonably fails to uphold its promises.

If you believe your insurance company may be practicing bad faith insurance, contact the skilled Texas insurance attorneys at Begum Law Group. We can help you determine whether you have a valid case, and we will ensure your rights are protected. To schedule a free consultation with The Law Giant, contact us today at (866) 523-4167.

Understanding Insurance Bad Faith

There are a number of situations that may signify your insurance company is acting in bad faith. Five of the most common ones include:

1. Lack of Communication

After an accident, timing is important. Therefore, if you find it especially difficult to get in touch with your insurance company, they may be giving you the runaround. Unfortunately, some insurance companies do this to try to avoid their duty to pay. It should be easy for you to communicate with your insurer and receive answers to all of your questions, as well as obtain the information you need for your claim.

2. Lowball Settlements

The reality is insurance companies, like other businesses, are on a mission to make money. For this reason, their goal is to pay as little as possible. If you find that your insurance company is pressuring you to accept a low, unfair settlement, you may have a bad faith insurance claim. This is particularly true if they tell you that this is the only offer that will be available to you, or there is no way for all of your expenses to be covered. An experienced insurance attorney can help you determine what type of settlement you should be able to collect.

3. Improper Claim Denials

Sometimes, insurance companies deny coverage for claims and hope their policyholders will just give up and pay for their expenses out-of-pocket. It is important to note that a claim denial does not automatically mean your insurer is acting in bad faith. Insurance companies do have a right to deny a claim, but they must have a proper reason for doing so. If your claim gets denied, you need to find out why.

4. Payment Delays

If you’ve been hurt in an accident, it’s likely that you are in need of compensation right away. There are a few tactics that insurance companies often use to delay providing their policyholders with the payments they deserve. If your insurer is asking you for excessive documentation and evidence, they may be doing so in order to deny your claim. Although some documents are necessary to investigate your claim, documents that are unrelated to your case should not be required.

5. Threats

If your insurance company told you that you’d face higher premiums or experience other consequences if you do not settle your claim, they are attempting to threaten you. They may also tell you that they’ll cancel your policy to try to scare you and convince you to accept a low settlement.

Contact The Law Giant for Help

Sadly, bad faith insurance is not an uncommon practice. If you think your insurance company is acting in bad faith, it is in your best interest to reach out to Begum Law Group right away. We can help prove your claim and ensure you obtain the fair compensation deserve. To schedule a free consultation of your case, contact us today at (866) 523-4167.

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