Insurance Coverage and Bad Faith
You did your part to protect yourself and your family. You purchased auto insurance, health insurance, life insurance or homeowner’s insurance policies. You have paid all your premiums and have followed all the rules. Then, through no fault of your own, you suffer a serious personal injury in a motorcycle accident, motor vehicle accident, trucking accident or bicycle accident. You suffer a slip and fall injury, an injury from a defective product or an on the job injury from an industrial accident or other work related mishap.
The natural place to look to for help is your insurance company. Your insurance company is required to act fairly and in good faith and to consider the interests of its policyholders equal to its own interests. Often, however, this is not the case. Unfortunately, your insurance company’s main goal, no matter how nice and accommodating, is to give you the least amount of money possible for your claim. Insurance companies have teams of adjusters and attorneys to protect their own interests, not yours.
Insurance bad faith laws protect consumers from unethical practices by insurance companies such as:
- Refusal to pay a claim in compliance under your policy
- Delaying claim processing
- Requiring excessive forms and reports
- Making partial claim payments or canceling coverage because of a claim
- Inadequate claim investigation
- Refusal to defend a lawsuit
- Threats against an insured
- Refusing to make a reasonable settlement offer
- Denying health insurance coverage after a medical diagnosis
Regrettably, bad faith claims by insurance companies happen far too often. Ranson Law Offices is dedicated to helping our clients obtain full compensation for their injuries; we are committed to providing every client with the support and resources needed to reach an improved, more secure place in life. Our lawyers are aggressive, resourceful litigators with multiple years of experience in dealing with less than helpful insurers. Ranson Law Offices takes pride in their work and are not afraid to take on even the largest insurance companies.
Not every wrongful denial of benefits amounts to bad faith. However, if you think your insurance company is acting in bad faith, it probably is. If you feel something just is not right or your insurance company is treating you unfairly, do not hesitate to contact Ranson Law Offices.
Ranson Law Results
Settlement against a major life insurance company for bad faith denial of life insurance proceeds to a minor
Settlement with major insurance company for committing third party bad faith for violating the West Virginia Human Rights Act
Settlement with homeowner insurance company for committing bad faith against its own insured for failure to pay for the total fire loss of their home
Settlement against insurance company for committing bad faith against its own insured for failure to pay for damage after contamination of water
Settlement with homeowner insurance company for committing bad faith for failure to pay its insured for the total loss of personal property after a fire