Insurance companies owe their customers a duty of “good faith” when a claim is filed. This is the law in every state in this country. This means that when you file a claim, the insurance company MUST treat you fairly and honestly. The insurance company MUST act properly and promptly to investigate any claims you make. The insurance company MUST NOT delay, deny or reduce payment on a claim without a reasonable basis.
If your insurance company doesn’t act in good faith as described above, then it may be possible to bring a claim against them for acting in “bad faith.”
It’s important to keep in mind that insurance companies are, by their nature, not necessarily aligned with your best interests. If you are involved in an car accident or otherwise suffer personal injury under circumstances where you may have to file an insurance claim, it’s important that you receive the guidance of an experienced attorney who has your interests in mind.
Bad faith on the part of an insurance company can take many forms. Here are some examples of unfortunate situations in which you may have a bad faith claim:
If you feel you that your insurance company is not acting in good faith, please call the Law Firm of Cohen & Jaffe, LLP. for a free consultation with an experienced injury attorney at (516) 358-6900. We will help you determine if you have a basis for a bad faith claim.