When you file an insurance claim, you expect your insurance company to act in good faith, honoring the terms of your policy and providing a fair settlement. Unfortunately, some insurance companies engage in bad faith practices, unfairly denying or delaying valid claims to protect their bottom line. If you've been the victim of bad faith insurance practices, you may have legal recourse.

What Is Insurance Bad Faith?

Insurance bad faith occurs when an insurer fails to fulfill its legal obligation to handle claims fairly and in good faith. This can happen in many ways, including:

• Unjustified claim denials – Rejecting a valid claim without a legitimate reason.

• Delays in processing claims – Taking excessive time to investigate or pay out claims.

• Failing to conduct a proper investigation – Ignoring key evidence or not thoroughly reviewing the claim.

• Offering unreasonably low settlements – Proposing payments far below the actual value of the claim.

• Misrepresenting policy terms – Providing false or misleading information about coverage.

• Refusing to defend a policyholder – Failing to provide legal defense when obligated to do so.

Recognizing Bad Faith Tactics

Insurance companies are businesses focused on minimizing payouts, but there's a difference between negotiating a settlement and acting in bad faith. If your insurer is using delay tactics, requesting excessive documentation, or refusing to communicate, they may be acting in bad faith.

Legal Remedies for Bad Faith Insurance Claims

If an insurance company is acting in bad faith, you may have legal options, including:

• Filing a complaint – Many states allow consumers to report bad faith practices to the state insurance commissioner.

• Pursuing a bad faith lawsuit – You may be able to sue for damages, including compensation beyond the original claim.

• Seeking punitive damages – In extreme cases, courts may award additional damages to punish the insurer for misconduct.

How a Personal Injury Attorney Can Help

As a personal injury lawyer in Stratford, CT, I understand the tactics insurance companies use to avoid paying claims. If you suspect bad faith practices, I  can help you hold insurers accountable and fight for the compensation you deserve.

If you believe your insurance company is treating you unfairly, don't wait. Contact me today for a free consultation. Let's make sure you get the justice you're entitled to.