Insurance Coverage and Bad Faith
Our lawyers have been representing insurance policyholders for more than fifteen years fight for the insurance coverage they not only deserve but have paid for in monthly or annual premiums for most of their adult lives. We represent clients whose insurance companies have wrongly denied, delayed, or refused to adjust claims, failed to defend them in lawsuits, or otherwise acted in bad faith.
Insurance coverage consists of answering the question of whether coverage for a particular claim applies and whether the insured has rights to benefits. Coverage issues deal with property damage, bodily injury, personal liability, malicious prosecution, abuse of process and other such claims. Both parties can find themselves in contentious disagreements regarding coverage thus requiring the assistance of experienced attorney.
Insurance Bad Faith
An insurance company owes its insured a number of important duties and a failure to meet such duties can lead a claim of bad faith. These duties consist of:
1. Duty to Investigate-failure to properly investigate the claim or delays.
2. Duty to Indemnify-pay for settlement agreement or judgment.
3. Duty to Defend-failure to defend the insured in a suit even if most of the suit is not covered in the policy.
Failure to meet these duties by acting in bad faith can lead to a breach of contract or a tort claim depending on the case and facts.