AND INSURANCE CLAIMS
CLAW delivers exceptional results to its personal injury clients.
We know how insurance companies are organized, what their goals are, and how they operate.
With over 25 years of experience in personal injury trial law, we fight for you in and out of the courtroom.
Auto insurance is big business, and because liability insurance is required of every car owner by law, it means big profits for the companies that write the policies. The more premiums they take in and the fewer claims they pay out, the greater the profits they generate.
Insurance company claim tactics can create problems for a policyholder who was injured by an uninsured driver or for a policyholder who was at fault for an injury or wrongful death accident. When an insurance carrier fails to pay a fair amount on a legitimate claim, the result can be financial disaster. For instance, if an insurer denies or lowballs a claim that deserves to be settled and the case against a policyholder goes to trial, it may result in a verdict that exceeds the value of the policy -- in which case the policyholder is responsible for the balance.
Victims of auto accident insurance bad faith can include those injured by a driver with inadequate or no liability insurance, thereby triggering uninsured or underinsured motorist coverage (UM/UIM); policyholders whose companies fail to settle a valid claim; and policyholders whose companies fail to adequately defend them against claims.
In addition to the claim a policyholder presents to an insurance company for property damage and bodily injury suffered in an auto accident, bad faith is a unique legal claim against the insurer for actions that may include:
DENYING A CLAIM FOR NO REASON
When an insurance company denies a claim following an auto accident, it should give a reason. If a policyholder's claim is denied for no reason or for an invalid reason, the insurer may have acted in bad faith.
FAILING TO CONDUCT AN ADEQUATE INVESTIGATION
The duty of good faith and fair dealing requires insurance companies to conduct prompt and thorough investigations into each claim. If an insurance company delays investigating a claim or conducts a poor investigation, it may well have acted in bad faith.
DELAYING PAYMENT OF A VALID CLAIM
Insurance companies must pay on claims within a reasonable time frame.
OFFERING SIGNIFICANTLY LESS MONEY THAN A CLAIM IS WORTH
During the claim negotiation process, insurance companies often make lowball settlement offers. But when an insurance company refuses to budge from a lowball offer, it might be acting in bad faith.
REFUSING TO PAY A VALID CLAIM
If an insurance company refuses to settle or pay a valid claim after a car accident, it is likely acting in bad faith.
MISREPRESENTING THE LAW OR POLICY LANGUAGE
If an insurance company has intentionally misrepresented the law or language in the insurance policy applicable to an auto accident claim, it has more than likely acted in bad faith. As part of the duty of good faith and fair dealing in the insurance contract, insurance companies must be honest and truthful in their statements about the law and the insurance policies involved in a claim.
In a free claim review, CLAW will review your claim and insurance policy. If we determine that you have a valid claim according to the policy language, we can represent you. Our firm will follow up with the company, demanding that it live up to its responsibilities. And, if necessary, we will go to court to get results for you.