When you’re injured, you likely need insurance coverage to pay for your current and future medical bills. However, sometimes the insurance company is less than willing to help you and may even take steps to prevent you from receiving the coverage you’re entitled to. But how can you tell if this is happening in your case? Here are 5 signs of insurance bad faith to help you decide when it’s time to call an attorney.
5. Avoiding Your Calls
One of the most obvious signs of insurance bad faith is when you call or email your insurance adjuster, but they simply don’t respond. If you’re consistently unable to reach your insurance adjuster or if they seem to be ignoring you, it may be that they are engaging in insurance bad faith. If this happens, you should consult an attorney immediately as it may be the only way to recover the damages you’re owed.
At other times, the insurance adjuster will respond but may push your call and investigation further out, potentially delaying your claim indefinitely. While rescheduling once should raise a red flag, an insurance adjuster rescheduling the same appointment multiple times should alert you to a potential case of insurance bad faith.
3. Misinterpretation of Policy
Read your insurance policy carefully, especially when making a claim. One of the more difficult aspects of insurance bad faith is when an adjuster appears to deliberately misinterpret policy as a means of denying your claim. The legal jargon and complex policies can make this extremely stressful for most people, which is why it’s wise to hire an experienced bad faith attorney if it seems the insurance adjuster is acting suspiciously.
2. Delayed or Incorrect Payment
Even when your claim is approved, you should get some kind of timeline for when you’ll receive your settlement. In some cases, insurance adjusters fail to send payment or even send a different payment than was agreed on.
1. Increased Premiums
Many don’t realize that insurance bad faith can even happen after your case is done. In Florida, your insurance premiums should not increase unless you were found at fault. If you were not at fault and your insurance adjuster insists that your premiums will go up, you should talk to an attorney.
No one deserves to be taken advantage of by their insurance company, especially when they are injured and need to focus on their recovery. AtGunn Law Group P.A., our attorneys can fight against the insurance companies on your behalf so you can focus on what’s most important: getting better.
To schedule a free case consultation with an experienced Florida personal injury attorney from Gunn Law Group P.A., please call (813) 993-1448 or send us an email.