When an insurance claim is filed by a policyholder, there is an expected level of “good faith” that the insurance company will be fair and reasonable when handling it. If the insurance company has refused to process your insurance claim fairly, for no apparent reason, you may have a claim for “insurance bad faith.” Insurance bad faith is defined as unfair or unreasonable conduct by an insurance company.
Primary examples of insurance bad faith include:
Insurance companies are required by law to treat their customers fairly. This includes payment of claims that are due to the insured. In 1982, the State of Florida enacted the Florida Unfair Claims Practices Act (UFCA) to protect consumers from insurance companies that do not make good faith efforts to settle claims. Bad faith insurance law arose because, in the past, insurance companies have mistreated their clients and refused to pay for legitimate claims.
While insurance companies may come across as caring, they are often quite the opposite. Often, they fight legitimate claims, hoping that the policyholder will give up and take less than is owed under their policy. When the policyholder pursues the claim in court, insurance companies typically hire teams of expensive defense attorneys to protect their actions.
Our insurance bad faith lawyers have the resources and experience to go toe-to-toe with the insurance companies. We relish insurance bad faith cases and truly enjoy helping those in need. We have earned a strong reputation for fighting the insurance companies. Once we get involved, many of these companies decide to settle the claim without going to court.
If you believe that your insurer is no longer following the terms and conditions specified in your contract, it may be in your best interest to pursue bad faith insurance litigation. Contact Lawlor, White & Murphey to discuss your options via email or at (954) 525-2345 or Toll Free at (877) 258-7894.Consultations are free. Our attorneys work on a contingency basis, which means that we are not paid until you receive compensation for your injuries.