Massachusetts Personal Injury Library
Bad Faith Insurance: How to Recognize the Signs (Part B)
- Asking for excessive documentation that is not outlined in your policy. This might be posed to you as a routine part of the settlement process, but might be a roundabout way of impeding and slowing your payment.
- Employing the use of a biased investigator (i.e., “the independent medical examiner bias”) to support the insurer’s refusal of claim.
Example: Your doctor orders a MRI or similarly costly medical procedure. Meanwhile, the insurance company’s medical consultant claims that the procedure is unnecessary and the insurer denies payment.
- Withholding from you any information about settlement offers or demands from the other party in a liability case.
If You Have Been a Victim of Bad Faith Insurance
If you suspect that you are the victim of bad faith insurance, conduct a quick mental survey of these basic points of your case.
Did you:
- Read carefully through your policy and familiarize yourself with the terms and limitations?
- Keep up with all premiums, and not allow for any periods of lapsed coverage?
- File your claim in a timely manner?
- Include all relevant information in your claim?
- File the claim using complete, honest and accurate information?
- Save copies of all paperwork sent to the insurer and document any contact made with the insurer?
If the answer to these questions is “yes,” it is likely that you have held up your end of the contract.
How a Personal Injury Attorney Can Help
An experienced personal injury attorney can assess the details of your case and help you to determine the likelihood of a lawsuit, monetary award or punitive damages.
Some recent issues that have brought the phenomenon of bad faith insurance to light include the rash of claim denials following Hurricane Katrina and cases of toxic mold in homes.
No attorney can promise you a verdict in your favor, or the dollar figure of a potential settlement, but our experienced attorneys will be able to smoothly navigate the difficult task of resolving complicated issues of bad faith insurance.
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