You Can Fight Insurance Company Tricks to Deny Your Payment
But sometimes, they fight you.
The right payment can get your life back on track after a serious injury. If a big insurance company stands in your way, you may have a case for insurance bad faith.
Insurance bad faith happens when insurance companies fail to act in a fair and honest way.
To fight it, you need a lawyer who knows insurance law and how the insurance industry works.
At Morgan, Collins, Yeast & Salyer, we give everyday people the courage to fight insurance bad faith in Kentucky and West Virginia. Some of our lawyers used to work for insurance companies. Now we work for you.
The 4 Kinds of Insurance Bad Faith
Experienced insurance bad faith lawyers know how to identify and fight the four major forms of bad faith in Kentucky law:
- Falsification Bad Faith. Sometimes an insurance company isn’t honest about your claim. It could blatantly change information on your insurance application without your knowledge. Or it could misrepresent facts or policy details about your case, or put out misleading advertising.
- Delay Bad Faith. An insurance company is supposed to investigate claims quickly and respond to you promptly. It’s supposed to pay your claim, or inform you of a denial, in a reasonable time. If it delays, it could be committing bad faith. One deceitful insurance company trick is to make you file both a preliminary claims report and a proof of loss form. It doesn’t sound unusual, but both forms convey the same things. It’s a delaying tactic. The challenge is often deciding how much delay is “reasonable.” An insurance bad faith attorney can spot when there’s a problem.
- Refusal Bad Faith. While delaying is wrong, sometimes insurance companies also decide on your claim too fast. An insurance company must make a legitimate effort to investigate your claim, consider all the evidence and reach a fair decision. They’re supposed to start work on your claim promptly, allowing time for a full analysis without delay. But if they reject you too soon, it’s a sign they didn’t give your claim the consideration you deserve.
- Settlement Bad Faith. When an insurance company offers you a settlement, it’s obligated to explain what the payment covers. Settlement agreements are supposed to be equivalent to what you could get in court. And when any one part of your claim is decided, insurance companies are supposed to pay that portion of the settlement. They can’t delay one part of your payment hoping to influence other parts that aren’t decided yet. They have to be clear with you about what’s in your settlement and why.
It takes experience in insurance law to identify when you’ve been the victim of one of these forms of bad faith.
But it doesn’t cost you anything to get an evaluation of your claim from Morgan, Collins, Yeast & Salyer.
Backup for Your Insurance Claim
It’s intimidating to go up against big insurance companies. They might try to give you as little as possible.
But when you get the insurance bad faith attorneys at Morgan, Collins, Yeast & Salyer working for you, the insurance company can’t push you around.
After an injury, you deserve maximum compensation. This is about your life and your future.