Signs You May Need a Bad Faith Insurance Attorney

Insurance is supposed to be a safety net, providing the coverage you need when your health is on the line. But what happens when your insurance company doesn’t uphold its end of the deal? 

When legitimate claims are denied, delayed, or underpaid without a valid reason, you may be facing what’s known as “bad faith” practices. In these situations, an insurance bad faith attorney can help you fight back.

Why Do Insurance Companies Act in Bad Faith?

Insurance companies may act in bad faith to protect their profits. By denying valid claims, offering low settlements, or delaying payment, insurers reduce their financial obligations. These tactics can discourage people from pursuing the full benefits they’re entitled to, especially during stressful times. While the law requires insurers to act fairly and in good faith, some companies push those boundaries, hoping claimants won’t fight back.

Common Signs of Bad Faith Insurance Practices

Bad faith insurance denials occur when an insurance company acts unfairly or dishonestly toward a policyholder. This can include denying valid claims, failing to investigate claims properly, offering unreasonably low settlements, or using delay tactics to wear policyholders down. Under the law, insurers must act in good faith and deal fairly with you. Common signs of bad faith denials include:

• Your insurance claim is denied without a clear explanation.
• The insurer fails to conduct a prompt or thorough investigation.
• You’re offered a settlement that is far below the value of your claim.
• Payments are delayed for no valid reason.
• The insurer misrepresents policy terms or applicable coverage.
• You’re being pressured to accept a quick payout without reviewing your rights.

Why You Might Need an Insurance Bad Faith Attorney

Bad faith insurance denials can cause financial, emotional, and physical distress, especially when you’re already dealing with a health crisis. An experienced attorney will:

• Review your policy and the facts of your claim.
• Help you understand your rights and whether your insurer acted in bad faith.
• Negotiate with the insurance company or take legal action if necessary.
• Pursue compensation for unpaid benefits, emotional distress, attorney’s fees, and possibly punitive damages.

How to Protect Yourself and Strengthen Your Case:

• Keep detailed records of all communications with your insurer.
• Request written explanations for any denial or delay.
• Save copies of your policy, bills, and claim documentation.
• Speak with a bad faith attorney as soon as you suspect unfair treatment.

Know Your Rights — Get Help Today

At The Law Offices of Kenneth G. Egan, we understand how frustrating and overwhelming it can be when your insurance claim is unfairly denied. Contact us to help hold your insurer accountable, protect your rights, and fight for the coverage you were promised.