People rarely rave about dealing with their insurance company. You’re dealing with an often life-changing circumstance and are forced to go through numerous applications and communications with your insurer to get reimbursed for your troubles. It can feel like you’re jumping through hoops and just hoping for a positive outcome, but those positive outcomes are often derailed by what is known as “bad faith” in the insurance community.
Under Oklahoma law, insurance companies owe a duty of good faith and fair dealing in investigating, processing, and paying claims for individuals and businesses they insure. That good faith turns bad in a number of ways, including:
- Unreasonably insurance claim denials
- Delaying insurance claims or payments
- Underpaying insurance claims
- Wrongfully refusing to defend or indemnify their customers
We want to explore how to spot bad faith in your insurance claim and what you can do to mitigate or recover from it.
How to Spot Bad Faith Insurance
You have an obvious circumstance where your insurance should step up and cover some or all of the cost. It’s even specifically laid out in your insurance documents… And yet, you still get a letter or call from your insurance company telling you you’ve been denied, will only be paid out a portion, or that payments will not be immediate.
This failure to uphold their contractual obligation to you may fall into a bad faith insurance claim case. An Oklahoma insurance litigation attorney should staunchly stand up for your rights and put pressure on the insurance company to reverse course or get a court to order the payout you are owed (and then some for your troubles).
Intention Matters
Intention is an important element in proving bad faith insurance claims. In many cases, the insurance company has a genuine reason or simply made a mistake. We don’t want to excuse this behavior, but insurance agents are often juggling dozens or even hundreds of claims and will make errors in judgment.
We will dig deeper, however, to uncover any telltale signs of bad faith insurance and help you get it corrected. In some cases, it’s as simple as discovering that the insurance company simply stamped a no on your claim before actually investigating further. In others, it’s as simple as the insurer acknowledging you are owed money but then failing to pay the proper amount as defined in your insurance coverages.
Work with an Oklahoma Insurance Litigation Attorney
Do you feel like your Oklahoma insurance claim was wrongfully denied? Does it feel like it was done intentionally? You may be owed under Oklahoma’s bad faith insurance laws. It’s important to have an insurance litigation attorney who understands these cases, knows what to look for, and is able to argue in your favor at court proceedings. Your financial future could be on the line, so you deserve a law firm that’s got the experience and expertise to stand up for your rights.
If you think you’ve been the target of bad faith insurance in Oklahoma, contact HB Law Partners today to defend your rights and your financial future today.
HB Law Partners
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