Rocky Mount Bad Faith Insurance Lawyer

When you dutifully pay your insurance premiums, you expect your provider to uphold their end of the contract if you ever need to file a claim after an accident, injury, or disaster. 

Unfortunately, many insurance companies prioritize profits over people by delaying, devaluing, or improperly denying legitimate claims – practices considered “bad faith.”

At Whitley Law Firm, our Rocky Mount personal injury lawyers have experience holding these billion-dollar insurance titans accountable when they act in bad faith toward policyholders. We take an aggressive stance to force them to honor their legal obligations fully.

What Constitutes Insurance Bad Faith in North Carolina?

Insurance bad faith can take many different forms, but essentially, it involves an insurance company wrongfully breaching their duties spelled out in the policy contract. Some common examples of bad faith practices our lawyers regularly encounter include:

• Unreasonably delaying claims investigations or payments
• Denying a claim without providing a legitimate justification
• Misrepresenting or failing to disclose policy terms
• Undervaluing damages and refusing to pay adequate compensation
• Refusing to settle a claim despite clear liability
• Abusive or coercive tactics to dissuade policyholders from pursuing claims

Insurance providers have teams of lawyers meticulously drafting policy language designed to protect their interests and give them ample leeway to dispute claims, even valid ones. This unequal leverage makes having an experienced bad faith insurance lawyer in Rocky Mount on your side extremely important.

How a Bad Faith Insurance Lawyer Can Help

Many people wonder if they need a lawyer for an insurance claim. The benefits of having a lawyer cannot be understated. Our firm can handle the entirety of your claim and protect your rights to ensure you are treated fairly. Here are some of the ways a lawyer can help:

Thorough Evaluation and Documentation of Your Claim

The first step our Rocky Mount bad faith insurance attorneys take is conducting a thorough evaluation of your initial claim, the evidence supporting it, and the insurance company’s stated reasons for delaying, devaluing, or denying it.

We will gather additional documentation, expert opinions, calculations of damages, and other evidence to substantiate that your claim meets all criteria and the provider’s basis for acting in bad faith is unreasonable.

Forceful Negotiations

Armed with a comprehensive understanding of your situation and all supporting evidence, our lawyers will directly negotiate with the insurance company. We take an aggressive stance backed by decades of litigation experience, forcing them to provide legitimate justifications for their actions.

Our attorneys are skilled negotiators capable of poking holes in their counterarguments and pushing for the full value of your claim. If negotiating an agreement proves impossible due to their unreasonable positions, we are fully prepared to take them to court.

Tackling Bad Faith Insurance

North Carolina laws allow policyholders to take legal action against insurance companies if it can be proven they participated in unfair claims practices constituting bad faith. Successful bad faith lawsuits can entitle you to recover amounts beyond the original claim value, including:

• The full claim amount that should have been paid from the start
• Additional damages caused by undue delays or denial
• Court fees and legal costs associated with the bad faith suit
• Potential punitive damages meant to punish the insurer’s egregious conduct

Our Rocky Mount bad faith insurance lawyers have extensive experience establishing breach of contract, violations of consumer protection laws, and other legal grounds to maximize how much you recover.

Rocky Mount Bad Faith Insurance Lawyer Near Me (800) 785-5000

What Are the Steps to Take if My Claim Is Denied?

If your insurance claim has been denied, here are the typical steps you should take:

Request a Written Explanation

First, ask the insurance company to provide you with a detailed written explanation for why your claim was denied. By law, they are required to give you the specific reasons for their denial.

Review the Denial Letter Carefully

Go over the denial letter thoroughly and check to see if their stated reasons for denial seem valid based on your understanding of your policy coverage. Look for any discrepancies or unfair justifications.

Consult a Bad Faith Insurance Lawyer in Rocky Mount

If you suspect the insurance company is not acting in good faith, it’s time to consult an experienced bad faith insurance lawyer. We can appeal the decision and evaluate if the denial constitutes bad faith practices violating state laws.

Prepare for Negotiations or Litigation

Your lawyer will attempt to negotiate a settlement with the insurance company, forcefully making your case with evidence the denial lacked merit. If negotiations fail, we can file a bad faith lawsuit to pursue the compensation you’re rightfully owed under the policy.

Let Your Lawyer Handle It

Dealing with a claim denial and an uncooperative insurance company is extremely stressful. Let your bad faith insurance lawyer take control, handling all communication, documentation, negotiations, and potential court action to resolve it properly.

The key is acting quickly and not just accepting a denial. An experienced lawyer knows how to push back effectively against improper claim denials and bad faith practices by insurers. Having them advocate strongly on your behalf greatly increases your chances of getting a wrongful denial overturned.

Contact a Rocky Mount Bad Faith Insurance Law Firm for a Free Consultation

Dealing with an insurance company that is acting in bad faith toward a legitimate claim is extremely stressful, time-consuming, and emotionally draining. Our role is to lift that burden off of you so you can focus on recovering and moving forward.

We will keep you informed at each stage with straightforward counsel you can trust. If you suspect your insurance provider is acting in bad faith regarding an accident, injury, or damage claim, don’t attempt to take them on alone. 

Having the right legal representation is crucial for forcing them to uphold their obligations. Contact the Rocky Mount bad faith insurance lawyers at Whitley Law Firm today to start getting the compensation you deserve.