Do You Suspect Your Insurance Claims Adjuster is Purposefully Misinterpreting the Language of the Policy?

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Do You Suspect Your Insurance Claims Adjuster is Purposefully Misinterpreting the Language of the Policy?

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When a Texas driver incurs a loss, they assume their insurance company is going to cover it – that’s what they’re there for, after all. Sometimes dealing with insurance companies following an accident is simple, straightforward, and easy. But other times, you have to fight for what you deserve.

Insurance Companies Are Legally Required to Maintain Good Faith Practices

Did you know that the law requires insurance companies to maintain good faith practices with their insureds? If the insurance company fails to do this, they infringe on their agreement with their customer and the insurance holder. For instance, if you suspect your insurance claims adjuster is purposefully misinterpreting the policy’s language, they are not maintaining good faith practices. This type of situation is referred to as a bad faith claim.

What is a Bad Faith Claim?

Insurance companies, insurance claims adjusters, and other insurance company representatives must carry out a fair deal when negotiating settlements or handling personal injury claims. In terms of insurance companies, “honest and fair dealing” is often referred to as acting in “good faith.” So acting in good faith means the insurance company and all their representatives abstain from unfair deals or fraudulent practices. If the insurance company fails to do this, they are acting in bad faith. When the insurance company acts in bad faith, the policyholder has the right to file a bad faith insurance claim. 

Common Bad Faith Practices to Watch Our For:

When dealing with an insurance company after a car accident, watch out for common bad faith practices:

  • Unnecessary delays of claims
  • Unnecessary denials of claims
  • Purposeful or consistent misinterpretation of policy documents
  • Discounts on claim coverage with no explanation
  • Failing to confirm or deny claim coverage after receiving proof of loss
  • Failing to respond quickly with acknowledgment of a covered claim
  • Failing to pay off the covered claim due to inadequate investigation of liability/damages
  • Confirming the claimed amount, but not providing specific coverage detailing what the claimed amount paid
  • Attempting to settle a claim for significantly less than what would be expected
  • Attempting to settle a claim based on a policy that has been altered without the insured’s consent
  • Failing to reasonably (and promptly) evaluate damages
  • Requiring duplicate documentation or multiple submissions of the same documents

Are You Dealing with a Bad Faith Insurer?

Suppose you are dealing with a bad faith insurer. In that case, you’ll notice that instead of searching for ways to assess and pay the claims within the terms of the policy, they seem to search for opportunities to delay payment, minimize the settlement amount or deny claims.

If you think you may be the victim of bad faith on the part of an insurance company, contact the experienced personal injury attorneys at Hudson Law as soon as possible. Our personal injury attorneys have the experience and knowledge you want on your side as you seek fair compensation for your injuries. We put Personal back into Personal Injury Law.