As a policyholder, your insurance company is required to act in good faith with regard to any legitimate claims you file. When this doesn’t happen, you may have the right to pursue a bad faith insurance claim.
To learn about your legal rights and how you can protect them, you should immediately seek legal counsel. A Denver bad faith claim attorney may be able to help.
Proof Required in a Bad Faith Insurance Claim
You will need to provide evidence that your insurance company is acting in bad faith when it comes to your claim. There are a variety of ways in which you can do this.
The most important piece of evidence will be the actions of your insurance company. There are some common practices by insurance companies that may demonstrate their avoidance of paying on a claim you are entitled to.
Some of the incidences that can lead to a bad faith insurance claim include:
- not advising you of your right to arbitrate a claim;
- denying a claim wrongfully;
- not making you aware of changes in your policy;
- delay in paying benefits;
- unnecessary termination of your policy; and
- failure to conduct an investigation.
Whether your claim is being unfairly delayed, diminished, or denied, you may have a case of bad faith. Keep in mind that the insurance company may try to come back and accuse you of the same.
An insurance company may try to turn things around on you by saying you have withheld critical information, documents were falsified, or you refused to speak with an adjuster. It is important to not do anything that could damage your case.
While you may not agree with their practices, you must give them the chance to make things right if there is an attempt to do so. During this process, it is important to keep a log of the events and discussions that take place.
Your detailed log could also end up being used as evidence in a bad faith insurance claim. Be sure to document everything that transpires, from phone conversations to any correspondence you receive from them.
Consulting with a Denver Bad Faith Claim Attorney
It can be frustrating to deal with the insurance company, especially when they aren’t treating your claim fairly. To learn more about the mistakes that can destroy your claim, download a copy of our free book, “7 Costly Mistakes That Can Ruin Your Colorado Injury Case.”
A bad faith claim attorney at D.J. Banovitz, L.L.C. can help you learn more about your legal options. We serve residents in the greater Denver-Aurora Metro area, along with other locations throughout Colorado. Call today for a free initial consultation – 303-300-5060.