Fighting For Insurance Coverage
We all trust that when we submit a valid claim to our insurance company, it will act in good faith and honor the policy. Oftentimes, however, this is not the case. Insurance companies often deny valid claims outright – many times with no reason at all. They know that many policyholders will simply choose not to dispute their decision, ultimately saving them millions of dollars a year.
Insurance companies are notorious for putting profits over people. They are beholden to their shareholders and board of directors and benefit financially when policyholders fail to collect on legitimate claims submitted under their policies. Some insurance companies have a practice of habitually denying legitimate claims and will only pay out if the policyholder takes legal action.
If you have a dispute with your insurance company over a legitimate claim or if you feel your claim was improperly denied or undervalued, please contact us today for a complimentary case review.
Why Was My Insurance Claim Denied?
Unfortunately, insurance companies often leverage the language in their policies to better enable them to minimize or deny valid claims. Insurance providers have a significant self-interest to protect their cash reserves and to avoid payouts to policyholders.
An insurance company will act in bad faith in numerous ways to deny legitimate claims, such as:
- Denying that a valid claim is covered under the policy
- Delaying investigation or payment of a claim
- Paying only partial benefits for a claim
What Is Bad Faith Litigation?
Under Alabama law, an insurance company has violated the implied covenant of good faith and fair dealing if it did not act fairly and honestly toward its policyholder in response to a claim.
Bad faith is simply a cause of action against an insurance company that has intentionally denied the payment of a properly submitted insurance claim for no debatable reason. Bad faith claims involve health and life insurance, accidental death insurance, disability insurance, automobile, property and cancer insurance.
Get The Coverage You Pay For
If you feel you have a falsely denied insurance claim or you feel that your insurance company intentionally misled you, our attorneys would like to talk to you. You may be entitled to compensation. Do not hesitate to get the involvement of an experienced bad faith insurance attorney from our firm. Contact us today.