Orlando Bad Faith Insurance Attorney
Insurance Disputes & Bad Faith Insurance Claims
When you pay your insurance premiums in full, on time, and do everything required of you under your policy, you expect your insurance company to uphold its end of the deal. After all, the point of having insurance is to protect yourself in the event of an accident, injury, or disaster that damages your property. When any of these things occur, you expect to be able to file a claim and recover compensation for your losses according to your policy’s coverage.
Unfortunately, the reality is that insurance companies do not always honor their policyholders’ claims. If you believe your insurance provider is acting wrongfully, you should reach out to an experienced attorney who can help you determine if you have grounds for an insurance bad faith claim.
At NeJame Law, we have extensive experience helping clients navigate various insurance disputes and bad faith matters. We understand how frustrating and stressful it is to find that your insurance company is delaying an investigation or disputing your rightful claim. Our Orlando bad faith insurance attorneys are here to stand up for you and your rights; we are ready to go up against the insurance company and, if necessary, advocate for you at trial.
What Is Bad Faith Insurance?
An insurance policy is a contract between you and your insurance provider.
Like any contract, this agreement requires something of both parties—as
the policyholder, you are required to pay your premiums and, in return,
the insurance company is required to honor the terms of your policy. This
is known as acting in “good faith.”
When an insurance company refuses to honor the terms of a policy or unreasonably denies a valid claim, it is acting in “bad faith.” Individuals who suffer because of an insurance company’s bad faith practices have the right to take legal action.
Some examples of bad faith insurance practices include:
- Unnecessarily and unreasonably delaying an investigation into a claim
- Disputing coverage or failing to pay the full value of a valid claim
- Refusing to pay a valid claim or denying a claim without providing a reason
- Failing to provide reasonably requested documents in a timely manner
- Misrepresenting a policy, coverage, provisions, the law, or other pertinent facts
- Offering a settlement or offering to pay out a claim for less than it is worth
- Failing to communicate promptly with a claimant
- Delaying approval or denying requests for medical treatment and care
- Threatening a policyholder, including accusations of misconduct
- Unreasonably and/or wrongfully raising premiums after a claim is filed
- Delaying payment of a valid and accepted claim
Essentially, if your insurance company violates the law or the terms of your policy, it has likely acted in bad faith. If you believe this may be the case in your situation, do not hesitate to contact our Orlando insurance bad faith attorneys at NeJame Law right away to learn how we can help.
How to File a Bad Faith Insurance Claim
Filing a claim against an insurance provider for acting in bad faith is a complex and challenging process. We strongly encourage you to work with a qualified and experienced attorney who knows how to navigate this process and protect your rights.
When it comes to filing your bad faith insurance claim, our firm can help you by:
- Reviewing Your Policy: First and foremost, it is a good idea to thoroughly and carefully review your insurance policy so that you can understand which actions by your insurance company violate the terms of your contract. Our attorneys can assist you in going over your policy and reviewing various provisions, such as coverage, limits, exemptions, and more.
- Gathering Evidence: It is also important to keep a record of your initial claim, including any documents or evidence provided to your insurance company. Our firm can assist you in gathering important evidence that supports your initial claim, as well as evidence of your insurance company’s bad faith practices.
- Requesting a Review of Your Initial Claim: In some cases, insurance disputes can be resolved by requesting an internal review of your initial claim and its denial by the insurance company. Our attorneys can work with your insurance provider to request a review by a supervisor or other internal authorities at the company.
- Appealing the Claim Denial: It may be necessary to appeal your claim’s denial to the appropriate state insurance regulatory agency. This agency is responsible for reviewing insurance disputes and contested claims. An official appeal could prompt your insurance company to reconsider or reverse the denial.
- Providing a Final Demand Letter: Before filing an insurance bad faith lawsuit on your behalf, our firm can provide a final written demand letter to your insurance company regarding your claim. This is a critical step in the process and begins a 60-day deadline by which your insurance company must pay your claim. If they refuse to pay your claim, we can begin litigation.
- Filing a Complaint with the State: If your claim has been mishandled, delayed, or wrongfully denied, it may be to your benefit to file an official complaint with the state’s department of insurance. Depending on the specifics of your case, you may be able to resolve the dispute through mediation after filing your complaint.
- Filing a Lawsuit Against Your Insurance Company: The final step in resolving a bad faith insurance claim is filing a lawsuit against your insurance provider. The litigation process involves numerous steps, including investigations and a discovery period. Our attorneys can handle every aspect of litigation and represent your best interests in the courtroom.
At NeJame Law, we represent clients in all types of bad faith insurance claims, including cases involving denied or disputed medical claims, property damage claims, and life insurance claims.
Request a Free Consultation with Our Team Today
Whether you are struggling to access critical medical treatment or need
to make repairs to your damaged property, battling your insurance company
can make the process all the more difficult. If you are experiencing any
issues with your insurance provider—from lack of communication to
delayed investigations to disputes over coverage—turn to our team
at NeJame Law. Our Orlando bad faith insurance claims attorneys can step
in and handle all communication with the insurance company so that you
can focus on getting back on your feet.
As a policyholder, you have certain rights; when your insurance company violates those rights, you can fight back. Let the award-winning legal team at NeJame Law advocate for you. We have extensive experience handling all types of insurance disputes and are committed to holding insurance providers accountable to their policyholders.
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