Bad faith insurance claims are one of the several aspects of insurance law handled by attorney Michael Grabhorn at his Louisville, Kentucky firm. Many times, when someone has been injured by the negligence or recklessness of another — a person, a company, or another legal entity — the legal problem in a victim’s claim doesn’t stem from that party — it’s the defendant’s insurance company who is holding back the appropriate resolution of a case.
Insurers’ Many Examples of Bad Faith Practices
Although insurance companies are bound by law to act in “good faith” by paying insurance claims fully and promptly as necessary, all too often an insurer engages in “bad faith” practices. A few of the most common categories of bad faith are when an insurance company:
- doesn’t investigate your claim promptly or thoroughly
- delays the payment of your insurance benefits without good reason
- seems to be passing your case around from one claims adjuster to another
- interprets the language of an insurance policy in an unreasonable manner
- refuses to settle your case
- declines to reimburse you for your entire loss
- unreasonably denies your benefits
Insurance bad faith is illegal, but it is sometimes difficult to prove or document. If you suspect that you have become a victim of insurance bad faith, it’s in your best interest to contact a knowledgeable Louisville insurance attorney such as Michael Grabhorn to investigate your case.
Insurance People: They’re Not Acting on Your Behalf
It’s often difficult for someone who has been injured or suffered losses to get the insurance benefits that they deserve from an insurance company. Although verbal and written communications from personnel at an insurance company may seem polite and helpful to you, it’s good to keep in mind that a corporation that’s on the side of the defendant(s) is not bound to act in your best interest.
Such bad faith practices occur in a broad variety of legal cases, such as
- premises liability (someone is injured or killed on the premises of another)
- defective drugs
- medical malpractice
- personal injury
- property damage
- vehicle accidents
- wrongful death