Bad Faith Insurance Claims – Philadelphia Attorneys

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Bad Faith Insurance Claims Lawyer Philadelphia

Americans tend to carry a lot of insurance. There is insurance for your car, home, life, medical needs, and rental properties. If you hold a professional license, you will likely have malpractice insurance as well. That means monthly payments to many large corporations each month. When the time comes, will your insurance deny your claims and use bad faith measures to get out of paying?

There are times, however, when insurance companies will refuse to pay your insurance claims. If your insurance claim is too costly, the company will look for ways to get out of it. Some ways are legitimate. Others are plain bad faith. Attorneys can help you fight for the money that you deserve. Need a bad faith insurance claim lawyer? The insurance lawyers at Freundlich & Littman, LLC will fight to make sure that you receive all the insurance benefits that you are entitled to.

What Is “Bad Faith”?

Insurance claims can get denied for many reasons, including bad faith. The common reasons are mistakes in filing, abnormal costs for repairs, inadequate coverage, or some complicated loophole in your insurance plan. Insurance companies are constantly looking for fraudulent claims, so insurance companies tend to automatically deny a claim because something does not appear to be completely legal – at least on paper.

In order to discourage claims, insurance companies will unnecessarily delay a claim or outright refuse to process it. Bad insurance companies will also change the terms of the policy. Maybe your policy changes got lost in the mail and you were not aware of the changes.

What Are My Rights?

Knowing your rights for insurance purposes is important. The best place to start is your insurance policy. Try to keep an updated copy of your policy in your personal records for quick access when something happens. With bad faith insurance companies, this is not enough, but it is a start. Reading your policy and understanding it will help reduce the chances that your claim will be denied. It will reduce the chance that you will apply for benefits that you are not entitled to.

If your insurance company denies the claim, they must tell you why. If the insurance company does not provide a reason for the denial, then call an insurance lawyer to discuss it. It might only be a small mistake, which caused the denial or a more serious issue that requires swift action.

What do I do about it?

All insurance companies are set up differently. Generally, you will file your initial claim either online or on the phone. It may be a good idea to talk to someone on the phone if the situation is complicated. You will be able to talk to a live person, write down their names, and write down exactly what they said just in case you rely on their bad advice to your detriment. After the initial claim is processed, your insurance company will send you a letter, either denying or approving your claim. If your claim is denied, there are certain things to do in order to be in the best situation for an appeal.

    • First, keep records of everything. The more e-mails, letters, or forms you keep on file, the better. If you have everything organized, it will be easier to appeal to navigate through the insurance process. Keep a log of when you called your insurance company.
    • A phone call to an insurance company representative may be all it takes to fix the situation. As annoying as it may seem, it may only be a small error, which caused the claim to be denied. If you cannot check your paperwork online, call the representative to verify that all your basic demographic information is correct.
    • Do not agree to anything that you are unsure or uncomfortable with. If your insurance is fighting you, they may send an insurance adjustor or representative to talk to you. Their job is to reach a settlement. Do not settle for an amount that will not cover all your expenses or damages, especially if your policy states that you are covered.

Do I Need An Attorney?

Most insurance companies have their own internal appeal process. You have the option to go directly through that process with or without legal representation. Be cautious of the process. It may be a simple matter that can be resolved via a quick telephone call.

On the other hand, it may be complicated. If your house catches fire or is hit badly during a case of extreme weather, the cost of repairs may be high. In that situation, you will be understandably tired and frustrated after an emotionally exhausting ordeal. The worst thing would be a denial of your claim or receiving of a payout far less than what you need to cover everything. If you find yourself in this situation, do not hesitate to seek out advice. We at Freundlich & Littman, LLC are experienced bad faith insurance attorneys. We can fight for you. Call us today at 215-545-8500 to schedule a free consultation.

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