Tag: Bad faith insurance lawyers

Bad Faith Insurance Practices

Five Reasons You May Need to Sue for Bad Faith Insurance Practices

You may have several different insurance policies you are responsible for, including auto insurance, homeowner’s insurance, and a range of different insurance coverages for your business–none of which you probably ever expected to have to deal with bad faith insurance practices on. And although the details of each policy may sometimes seem overly complicated and hard to understand, the idea behind purchasing insurance is simple: you pay your premiums and the insurer agrees to pay out for the agreed upon items if there is a loss. And although some claims may seem to have some understandable gray area or offer ways for the insurer to wiggle out of paying, there are many cases where they are just hoping to settle for as little as possible, and with minimal time and effort expended.

The best-case scenario is for a claim that is cut and dry—and one that leaves you with as little trauma as possible in the end. Unfortunately, bad faith insurance practices are not uncommon today. Here are five reasons you may need to consult with a skilled bad faith attorney from a firm like the Bolender Law Firm though if you are not able to reach a suitable agreement:

  1. Lack of investigation – this can be incredibly frustrating for you as a policyholder if you are left waiting endlessly for resolution to your case, only to find out that the insurer has not even performed an investigation or that the claim has been denied with virtually no research or attention paid to the details.
  2. Delay tactics – again, being made to wait indefinitely with no results can make for a tortuous experience as the insurer tries to ‘wait you out,’ hoping you will have weakened resolve when it comes to accepting a settlement, or that you will forget about the process altogether.
  3. Lowball offers – if you have been injured and unable to go back to work or are in financial straits, insurers may hope to take advantage of your situation with a quick and lowball offer. Their goal is to make big profits each year and paying out as little as possible is almost always their mission.
  4. Denied claims – when an insurer outright denies a claim that may be completely valid, it may be an example of bad faith practices. Such behavior means that you must work with your attorney to uncover the problem and prove that your case is indeed valid and that you should be compensated.
  5. Intimidating or threatening behavior – it is no secret that while adjusters usually start out in a very friendly manner, they could become quite intimidating while collecting details about the case. You need a skilled attorney to field all questions and give out information; not only that, insurance companies usually have much better behavior when they realize they are dealing with legal professionals.

If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

Automobile accident

Automobile Accident: Do You Know What to Do Afterward?

You and your family probably spend a lot of time in the car, usually without the worry of an automobile accident; in fact, you may feel like you live there more than your own home due to what could be a lengthy commute every day, further travel for business trips, typical errands, and drop-offs and pickups for kids. It is easy to let your guard down and almost drive on auto pilot sometimes, but with traffic incidents continuing to rise in the US, extreme diligence and defensive driving are more important than ever. This goes for anyone on the road too, whether you are in a car, driving a motorcycle, riding a bike, or walking.

The reality is that in nearly any journey you will pass distracted drivers who can’t tear themselves away from their cell phones, those who are speeding, ignoring traffic rules, or even driving under the influence of drugs and alcohol. Their negligence may put you at risk for a car accident at any time, meaning that you should be prepared far ahead of time to know what to do afterward. Here are five of the most important tips:

  1. Stop the car and take just a few moments to catch your breath and collect yourself after the trauma of an accident. The adrenaline flow afterward will be significant, and it is important to try and get your bearings, so you can then establish whether you or anyone else in the car are injured, as well as checking on the other parties involved.
  2. Call the police immediately and file an accident report, as well as making sure medical help is on the way in the case of injuries. Make sure to note the police officer’s name and badge number and ask for a way to get in touch with them afterward.
  3. Trade all pertinent insurance information and contact information with the other motorist(s).
  4. Take pictures. If you can snap photos of damage to both cars, along with the license plate of the other vehicle. It may also be helpful to have any photos of the entire traffic area, including where the accident occurred, traffic signs, crosswalks, and stoplights.
  5. Ask any possible witnesses for contact information also, as this may be the only time you ever see them again and they could be vital to your case.

If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!

property damage appraisers

Property Damage Appraisers: Should I Trust Them?

If you have not had a reason to file an insurance claim recently (and your premiums are not exorbitant), it may have been easy to put the subject of insurance out of your mind for quite a while; however, if you have been in a car accident or were forced to file a claim regarding damage to your home or business, or more, dealing with insurance and property damage appraisers may suddenly become a central focus. And nothing can be more frustrating than being interrogated or stalled when you have done your part in paying premiums for years, fulfilling every requirement as requested by the insurer. Along with spending far too much time stressing about what is going to happen to your property or how you are going to pay medical bills, you have probably pored over your insurance policy too, wondering what the deal really is in the face of your insurer delaying the investigation or paying out for your claim.

The property damage appraiser works for the insurance company in evaluating the condition of your car, for example, if you have been in a wreck and have filed a claim—or they may be working for another party’s insurer if you were in an accident due to the negligence of someone else. The goal of the appraiser is very clear: to assess and advise on whether or not the insurance agency should pay the claim. They do this by investigating, ruling out fraud, examining insurance policies and other information such as medical records, and negotiating settlements and payments. They are also used to speaking with attorneys while they do their jobs. Keep this in mind if you are feeling helpless, alone, or intimidated during the appraisal, claims, and settlement (or litigation) process, as it is in your best interest to refer all questions to your attorney—and especially if you suspect the insurer may be acting in bad faith.

Insurance is about big money, and those involved are often given highly motivating compensation to see that cases are closed as quickly as possible and with as little cost as possible. While they may seem very friendly as well as neutral when it comes to assessing damage, never forget that they work for the insurance company and have a major role in deciding the outcome of your case. All questions from the appraiser should be referred to your attorney pleasantly, but firmly. Do not agree to hand over any files or participate in any recorded conversations without the advice of your attorney first.

If you need help reviewing your insurance policy, or if you suspect your insurance company may be denying your claim in bad faith, contact the attorneys at the Bolender Law Firm.  If a dispute over a claim cannot be easily resolved through a call or written communication, our attorneys will advocate on behalf of policyholders through litigation, arbitration, or non-binding mediation. Our attorneys are experienced in representing clients in state and federal courts, at both the trial and appellate level. Call us at 310-320-0725 now or submit an easy consultation request online. We are here to help!