Princeton Insurance Disputes Lawyers

Bad Faith Insurance

Every kind of insurance company is required by law to operate in what is called good faith and fair dealing. This means they must act honestly and pay legitimate claims without unreasonable delay. If an insurance company acts in bad faith, you may have a West Virginia bad faith insurance claim. This means that you have a civil lawsuit in which you may be able to get more money than the original face value of the insurance policy.

Insurance bad faith includes:

• Denial of a reasonable insurance claim
• Giving an unreasonably low settlement
• Poor investigation or no investigation at all of the facts of your claim
• Unreasonable delay in evaluation or payment of your claim
• A refusal to pay benefits of the policy
• Fraud and deceitful actions

Coverage Disputes & Claim Denials

Sometimes, the insurance company will only pay part of your bill by claiming that particular charge is not one covered by the plan. For example, if you go to the dentist to have a procedure and you also get sedation for the procedure, the insurance company may pay for the procedure but not the sedation. Often insurance companies will use tricky wording in the policy, meaning that if the doctor doesn’t put the exact language required by the insurer, they will claim you are not covered.

Even if you held up your end of the bargain by paying your premiums, insurance companies are focused on profit and will do everything they can to avoid paying out a claim—even lie or create policies so confusing that they are considered deceitful. Let an experienced attorney can help you get the compensation you deserve from your improperly denied claim.