Insurance Company Refusal to Pay
Sustaining an injury in an accident can often be a stressful and life-changing event. Injuries due to accidents can prevent you from working, earning a paycheck, and cause stress and anxiety about how you are now going to make ends meet.
As responsible citizens, we pay monthly premiums to carry insurance policies such as automobile and health insurance to cover life’s unexpected events. But what happens when your insurance company refuses to pay for your physical injuries and your mounting medical bills?
If you own or lease a vehicle, you are required to carry insurance to cover the costs of injury to yourself and others in the event of an accident. The insurance policy includes an implied covenant of “good faith and fair dealing” on the part of the insurance company, meaning it must fulfill its duties to reasonably investigate and pay claims.
An example of “bad faith and unfair dealing” is when the insurance company unreasonably delays or refuses to investigate or pay an injury claim. As one can imagine, this battle will monumentally add to the pain and suffering already incurred from the accident. Also, the scenario can cause possible depression due to the overall situation, and any changes in lifestyle and livelihood due to physical injuries.
So, what can you do to prevent this bleak situation from occurring? First, you must stay on top of the insurance claim process, and if you are unable to do so, appoint a trusted family member or friend to help you.
If this is not possible, or if you feel things are not progressing in a fair or timely manner, you should seek the advice of a respected injury attorney law firm to investigate further and to get you the monetary settlement you deserve.
The first thing the injury attorney will need to do is to identify “bad faith” conduct on the part of the insurance company. Bad faith conduct can present itself in various forms, including:
- Deceptive practices or deliberate misrepresentations to avoid paying claims.
- Deliberate misrepresentation of record or policy language in the hopes of avoiding coverage.
- Unreasonable delay in resolving claims or a failure to investigate.
- Unreasonable litigation conduct.
- Arbitrary or unreasonable demands for proof of loss.
- Coercive or abusive tactics used to settle a claim.
- Compelling an insured to contribute to the settlement.
- Failing to investigate the claim thoroughly according to its own procedures.
- Failing to maintain adequate investigative procedures.
- Failing to disclose policy limits and explain applicable policy provisions or exclusions.
An experienced personal injury attorney will be able to assist you and identify any bad faith conduct on the part of the insurance company. You will want to specifically seek the advice of a personal injury law attorney as they are well-versed in the laws surrounding accidents, injury, and suing insurance companies for bad faith conduct. You deserve the best quality of life possible.
When personal injury due to an accident prevents you from achieving the quality of living you deserve, an experienced personal injury attorney is your best advocate to holding the insurance company accountable and delivering the compensation you deserve.
You may have seen our TV commercials or read one of our many helpful articles on-line. We have been helping people just like you for over 40 years. We are ready to help you. Call the Eshelman Legal Group today for your free initial no obligation consultation. Call: 1-800-365-0001 "We'll Make Things Right"
The attorneys at the Eshelman Legal Group understand that no matter how cautious you are, others may not be so careful, and accidents do happen. So we hope you don’t need to, but if you are in a situation where you need the advice of an personal injury attorney, the Eshelman Legal Group is here to help you. For over 40 years we have been assisting accident victims, and we are here to assist you too... because “We’ll make things right.”
Ask yourself this question… who does the adjuster work for? The adjuster works for the insurance company, they do not work for you.