Orlando Bad Faith Insurance Attorney
Representation When an Insurer Acts in Bad Faith
You should be able to depend on your insurance company to be there when you need to file a claim. If the company decides not to help you, though, then you’re going to be in a tough spot. You might even have to file an insurance bad faith claim against the insurer. Gunn Law Group in Orlando can help.
We can help with insurance bad faith claims involving the following policies and more:
- Homeowner’s insurance
- Renter’s insurance
- Auto insurance
- Business insurance
Unlike most other types of cases and claims, bad faith insurance cases can get so complicated because they often involve your own insurer, not an insurance company representing someone else.
Challenging the company that sold your policy can be frustrating and awkward. Leave it up to our insurance bad faith attorneys, though, and you can be confident that your case will be respected.
Common Bad Faith Tactics & Strategies
What does bad faith insurance look like? Most people might have trouble recognizing it because insurers try to be subtle. Also, not expecting it to happen makes it harder to notice when it does.
It can feel like a severe betrayal of your trust if you find out that your insurer or a third-party insurance company has intentionally acted in bad faith to mistreat your claim.
Common insurance bad faith tactics include:
- Delaying a claim: If an insurer intentionally takes as long as possible to handle a claim, then it could be seen as insurance bad faith. The goal of this tactic is to make you give up on your claim because it takes so long to progress.
- Denying without reason: All insurance claims can be denied in the right circumstances described in the related policy information. Dishonest insurers like to deny claims without giving any reason, though.
- Decreasing without justification: The value of your claim should be calculated carefully and fulfilled fairly. Bad faith insurance might look like decreasing the money you recover or your coverage allowances without justification.
- Refusing to investigate: Insurance adjusters need to make an honest attempt to investigate your claim before denying it or assigning it a value. Failing to conduct an effective investigation can constitute insurance bad faith.
- Changing the terms: The terms of your insurance policy cannot be changed during the middle of its duration for any reason. If they do, then it might be time to sue.
First-Party Claims & Third-Party Claims
A first-party insurance claim is filed against an insurance company that sold you the policy. A third-party insurance claim is filed against another party’s insurance provider. Insurance bad faith can occur in either situation. It all depends on which insurance company tries to sell you short.
At Gunn Law Group, our Orlando bad faith lawyers can help with both first-party and third-party insurance bad faith claims, so you do not need to worry about finding the right legal team for the task.
Insurance Bad Faith in Personal Injury Cases
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 signs of insurance bad faith to help you decide when it’s time to call a bad faith insurance lawyer in Orlando, like those at Gunn Law Group.
#1: 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 the 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 a bad faith attorney if it seems the insurance adjuster is acting suspiciously.
#4: 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. You should not hesitate to involve a lawyer if you are having trouble getting paid.
#5: 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 are 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. At Gunn 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. Call us at (813) 993-1448 for a free consultation.
Get our Orlando bad faith insurance attorneys on your side today. We have the experience and the talents required to stand up to major insurance companies that act up and disrespect our clients’ policies.
Trust in us and let us get to work for you right away.