Bad Faith Insurance Lawyer in Hillsborough

If you’re a policyholder in Hillsborough who’s been denied a legitimate claim or subjected to unfair treatment by your insurance company, you may be entitled to compensation and damages.

As your trusted advocates, our Hillsborough bad faith insurance lawyers at Whitley Law Firm are dedicated to helping you understand your rights and the options available to you in this situation. Our Hillsborough personal injury lawyers can help you start building a case to hold the negligent parties liable. Our team has over 120 years of combined experience.

What are Bad Faith Insurance Practices in Hillsborough?

When dealing with insurance claims, you expect your insurance provider to act in good faith, processing your claims fairly and promptly. This expectation is rooted in the understanding that your insurance provider has a contractual obligation to uphold the terms of your policy.

Bad faith insurance refers to unreasonable or unfair actions taken by an insurance provider during a claim’s processing. These can manifest in various ways, including a misinterpretation of policy terms or an incomplete claim investigation.

A thorough and impartial claim investigation is also important in ensuring that claims are processed fairly. An incomplete or biased claim investigation can lead to a denial of coverage or a delay in the payment of benefits.

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Types of Bad Faith Claims in Hillsborough

There are many different situations where an insurance provider could act in bad faith. When you’ve experienced a dispute with your insurance company, you may be dealing with one of several types of bad faith claims:

Denial of Coverage Claims

Filing a claim with your insurance company is supposed to provide you with financial protection and peace of mind, but denying coverage can be a devastating experience. A denial of coverage claim occurs when your insurance company refuses to provide coverage for a claim that you believe is valid under your policy.

When an insurance company denies coverage, they often cite policy exclusions or limitations as the reason. However, in some cases, the denial may be unjustified or unreasonable. If you believe that your insurance company has wrongfully denied your claim, you may be entitled to a claim settlement.

To pursue a claim settlement, you’ll need to review your policy and gather evidence to support your claim. A Hillsborough bad faith insurance lawyer can help you handle this process and advocate on your behalf to ascertain that you receive the coverage you’re entitled to.

Delayed Payment Claims

Many insurance policyholders have experienced the frustration of delayed payment claims, where their insurance company unreasonably delays or fails to pay claims in a timely manner. If you’re experiencing this, you’re not alone. Delayed payment claims are a common type of bad-faith insurance claim that can cause significant financial hardship.

When an insurance company unreasonably delays payment, it may be in breach of its contractual obligations. You may be entitled to pursue a claim for bad faith against the insurance company. In examining a delayed payment claim, the court will typically consider whether the delay was reasonable or unreasonable.

In some cases, delayed payment claims may be related to coverage disputes. If you and your insurance company disagree about the scope of coverage or the amount of the claim, it may lead to late payments. However, even if there is a coverage dispute, the insurance company still must act in good faith and make timely payments.

Unfair Settlement Practices

Unfair investigation practices are another form of bad faith. This can involve failing to conduct a comprehensive investigation of your claim, ignoring evidence that supports your claim, or misrepresenting the facts of your case.

You may also experience lowball settlement offers that are significantly lower than the actual value of your claim. If you suspect that your insurance company is engaging in unfair settlement practices, it is important to seek the advice of a qualified Hillsborough bad faith insurance lawyer who can safeguard your rights and interests.

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A Hillsborough Bad Faith Insurance Lawyer Can Prove Bad Faith

Proving bad faith by an insurer requires gathering and presenting evidence that demonstrates the insurer’s actions or inactions were unreasonable, given the circumstances of your claim. To do this, you must carefully document all interactions with the insurance company, including phone calls, emails, and letters.

Keep a record of dates, times, and details of conversations, as well as the names and titles of the insurance company representatives you spoke with. Gathering evidence of bad faith may also involve obtaining internal insurance company documents, such as claims files and communications between adjusters and supervisors.

Insurance company tactics to watch out for when gathering evidence include delaying or denying your requests for information, making low settlement offers, or trying to intimidate or coerce you into accepting an unfavorable settlement. Be aware of these tactics and document any instances of bad-faith behavior.

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Damages and Compensation for Bad Faith Practices

If an insurance company’s bad-faith actions have victimized you, you’re likely entitled to significant damages and compensation. In a bad faith lawsuit, you can seek damages beyond the policy limits, including punitive damages, emotional distress, and other losses.

To determine the extent of damages, your attorney will conduct a thorough investigation, including a review of the claim investigation process. This investigation will help identify any wrongdoing or negligence on the part of the insurance company. Your attorney will also gather evidence to support your claim, including documents, witness statements, and expert testimony.

In a bad faith lawsuit, you may be entitled to additional damages, such as consequential damages, which include losses resulting from the insurance company’s actions. Your attorney will work to maximize your recovery and increase the chances that you receive fair compensation for the harm you’ve suffered.

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Contact a Hillsborough Bad Faith Insurance Lawyer

If your insurance company has denied coverage or underpaid your claim, and you’re considering filing a bad-faith lawsuit, we’re here to help. A Hillsborough bad faith insurance lawyer from Whitley Law Firm can significantly improve your chances of recovering the compensation you’re entitled to.

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