Tampa Insurance Bad Faith Attorneys

Gunn Law Group Can Fight Major Insurance Companies

When you buy an insurance policy, you have the right to expect it to be paid out accordingly if and when you ever need it. Insurance companies looking to save some money can use insurance bad faith tactics to wrongfully deny or undervalue claims, though. If you’ve filed an insurance claim but have since encountered unexpected resistance, then it might be the first sign of insurance bad faith. Clear things up and demand the insurance coverage owed to you by teaming up with Gunn Law Group and our Tampa insurance bad faith lawyers. We can fight any major insurance company in the name of our clients.

Dial (813) 993-1448 to speak with our team today. Free consultations are available.

What Constitutes “Bad Faith” in Insurance?

Florida law considers insurance bad faith to have occurred if an insurance company fails “to settle a claim when, under all the circumstances, it could and should have done so, had it acted fairly.” This legal definition implies that any intentionally unfair act of an insurance company that interferes with a claimant’s financial recovery is a form of insurance bad faith.

Two of the most common forms of insurance bad faith are:

• Wrongful denials: An insurance company that is desperate to save its bottom line might start wrongfully denying claims without any reason. The goal is to make a claimant give up out of frustration. If your claim was denied, then the reason for its denial should have been clearly stated in the denial letter. No valid reason for a denial constitutes insurance bad faith.
• Insufficient investigations: Insurers should send an insurance adjuster or accident investigator to complete an investigation or inspection of the facts relevant to a claim. After the investigation is completed, the adjuster can calculate how much coverage is owed to the claimant. Insurance bad faith can occur if the investigation is rushed or incomplete, or if it was not conducted at all.

Laws against insurance bad faith do not apply to a specific type of insurance, either. If you purchase an insurance policy of any sort, then the insurer has an obligation to make good on their end of the policy, whether you are dealing with an auto insurance company, homeowners’ insurance company, and so on.