When Can I Sue the Insurance Company for Bad Faith?
When a person buys insurance, they expect that their insurance provider will timely handle their claims and pay out covered losses. This is because insurance companies owe good faith duties to their policyholders.
Because insurance companies are much more powerful than the average individual policyholder, the duty of good faith and fair dealing helps level the playing field for people who would otherwise be financially destroyed or outmatched should their claims be denied, undervalued, delayed, or disputed. It requires insurance companies to treat you fairly and can give you the right to bring legal action if you suffer losses due to your insurance company’s bad faith dealings.
For example, you may have a bad faith claim if:
- The insurance carrier denied or undervalued your property damage claim.
- The insurance company misrepresented their policy to minimize the payout.
- The insurance company makes unreasonable demands for evidence or proof.
- You were coerced into a settlement of your claim.
- There was an unreasonable delay in investigating and processing your valid claim.
- Your claim was denied but the insurance company did not provide a justification.
Bad faith actions may arise from many different types of insurance claims, including car accident claims or claims under an uninsured / underinsured motorist policy (UM / UIM), storm or property damage claims, home owner’s insurance, business insurance, and other policies.
While there are various ways insurance companies fail to meet their duties, not all claim denials or problems rise to the level of bad faith. Because it can be difficult to evaluate convoluted policies and whether insurance carriers are treating you fairly or not, it makes sense to speak with experienced attorneys who can review the facts of your case and whether you may have a claim.
Speak with a New Jersey Lawyer About An Insurance Bad Faith Claim
As one of the largest injury law firms in New Jersey, Levinson Axelrod, P.A. has the resources to handle tough cases against powerful adversaries. Our top-rated plaintiffs’ lawyers are passionate about helping real people fight back against corporations and offer free case reviews to help them get started.
To discuss a bad faith claim against your insurance carrier, contact us for a free case evaluation.
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I want to thank you for all of your help settling my case seamlessly and promptly with an unexpected, and speechless outcome. I'm still in a bit of shock and I'm still processing it all. After my case bounced from associate to associate, I had...- G.K.
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Our Settlements & Verdicts
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The Levinson Axelrod, P.A. team obtained a $12.5 million dollar settlement on behalf of a client who was injured due to medical malpractice.
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A 35-year-old laborer who resides in Kearny was seriously injured while working on the median of a highway when a passing tractor-trailer lost a wheel that struck him.
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A Middlesex County man was severely injured and burned as a result of a collision with a truck. The truck driver had lost control of his vehicle and had come through a median barrier which had failed to redirect the truck away from oncoming traffic.
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$7,000,000 Premises Liability Jury Verdict
A woman was putting her 3-year-old son on a carnival amusement ride while holding onto a portable fence when she received an electrical shock. Our client was hospitalized and later developed Traumatic Dystonia, a condition that caused tremors in the hand and makes the fingers curl.
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$6,000,000 Personal Injury Jury Verdict
A female drunk driver crashed into plaintiff’s vehicle causing multiple fractures to the right ankle and foot. Plaintiff’s doctor testified that plaintiff would be under pain management protocol for the rest of his life due to this condition.
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