Few things are more deflating than a denied injury insurance claim following a car crash. The whole point of a policy, such as Personal Injury Protection, is that it will be there when you need it. When they reject your claim, it can feel quite personal.
In some cases, that denied claim may even have been done in bad faith. What separates a legitimate denied claim from one considered done in bad faith? Here’s an explanation.
Acting fairly and honestly
Under Florida law, insurance companies are expected to attempt to resolve claims in good faith. That means acting fairly and honestly when dealing with the insured individual, and with due regard for their interests. If the insurer does not do so, the insured individual can file a civil lawsuit against them.
For someone injured in a car crash filing an insurance claim, what might bad faith behavior look like? It can include the insurance company:
- Trying to lowball you on a settlement offer, below what is reasonable
- Lying about or misrepresenting elements of the coverage in order to deny your claim
- Rejecting a claim without conducting a reasonable investigation into the incident
- Being very slow to respond, or not responding to your claim inquiries at all
- Refusing to settle or reimburse you for what you’re owed
Navigating insurance disputes
Insurance companies are generally large operations, and they’re trying to make a profit. They often do not like to pay out more than they have to and may fight to limit their losses. Fortunately, the policy can hold many answers.
If an insurance company denied your claim and you believe it was done in bad faith, one of the first steps should be to scrutinize the language in your coverage – something a law firm that deals with bad faith insurance claims can help with. While the complex nature of insurance law means this may not be a simple task, know that it is possible to pursue what is rightfully yours.