Insurance Bad Faith
The Law Office of Edward Sampson represents insurance policyholders in claims against insurance companies that have improperly refused to pay a claim. Insurance bad faith occurs when an insurance company does not abide by the terms and conditions of the policyholder's policy and refuses to pay a legitimate claim.
For example: consider the case where an individual is seriously injured in a catastrophic auto accident and the insurance company of the at-fault driver has a $25,000 policy limit for liability coverage. Assume that the injured person has purchased underinsured insurance coverage in the amount of $300,000. If the injured person has medical bills and other damages exceeding $300,000, then the insurance company should tender the limits of the underinsured insurance coverage. (Obviously, the reason why we purchase underinsured insurance coverage is to protect ourselves in a situation where a negligent driver carries only the minimum insurance policy limits). Unfortunately, insurance companies do not always tender the amounts that they contractually owe to the policy holder. This situation would fall into the category of Bad Faith Insurance disputes and a lawsuit could be brought against the insurance company for failing to abide by the terms of the insurance policy. There are also other situations where an insurance company can breach the insurance agreement with the policyholder.
If an insurance company has given you the run around, contact a board certified attorney today for a free consultation.
