There are occasions when your insurance company handles your claim in a manner that constitutes “bad faith.” Your insurance company owes you the duty to treat you fairly and in good faith.
In short an insurance company cannot:
- Misrepresent the terms of a policy;
- Misrepresent the advantages or benefits of a policy;
- Misrepresent a material fact or policy provision;
- Fail to attempt in good faith to reach a fair settlement of a claim;
- Fail to provide a reasonable explanation for the denial of a claim;
- Fail within a reasonable time to affirm or deny coverage or submit a reservation of rights;
- Refuse to pay a claim without conducting a reasonable investigation with respect to the claim.
Bad faith cases require a thorough investigation by an experienced lawyer.
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