Insurance companies are expected to do the right thing. In cases when they do not, their insured customers are permitted to sue on basis of a tort claim and a standard breach of contract claim. While a breach of contract claim does not allow punitive or exemplary damages, a tort claim does. In many instances, damages in excess of what the policy would have otherwise covered may be awarded especially if the insurance company’s conduct was erroneous or an example of bad faith.
Examples Of Bad Faith
Undue delay in handling claims
Inadequate investigation
Refusal to defend a lawsuit
Threats against an insured
Refusing to make a reasonable settlement offer
Making unreasonable interpretations of an insurance policy
Oftentimes, an insurance company can limit or even deny coverage of a claim without proper justification. If you have been treated unfairly by your insurance provider, an insurance bad faith attorney can help. Only a qualified attorney, who specializes in insurance bad faith, will be able to give advice on whether or not your case falls under insurance bad faith or not. The attorney will also let you know if you have a valid case or not. In most bad faith cases, attorneys work on a contingency fee basis, which means that you only pay the attorney when you get a settlement. Call Nordstrom, Steele, Nicolette and Blythe if you have had a bad experience with your insurance provider in California at (760) 852-7134.