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    Results may vary depending on your particular facts and legal circumstances.
    Jan
    22
    2025

    What Is Bad Faith?

    When you file a personal injury claim, you expect the insurance adjuster to handle your case with professionalism and fairness. Unfortunately, not all insurance companies operate in good faith. Some adjusters may use dishonest or manipulative tactics to minimize payouts, delay claims, or deny valid requests altogether. Knowing how to recognize when an insurance adjuster is acting in bad faith can protect your rights and ensure you receive the compensation you deserve.

    Bad faith occurs when an insurance company or its adjuster fails to uphold their legal obligation to treat claimants fairly and honor the terms of the insurance policy. While insurers are entitled to investigate claims thoroughly and protect their financial interests, they are not allowed to use deceptive or unethical practices to avoid paying valid claims.

    Signs of Bad Faith by Insurance Adjusters

    1. Unreasonable Delays in Processing Your Claim

      • A delay in your claim could be a red flag, especially if the insurance adjuster fails to provide a clear explanation for the holdup. Insurers are required to process claims within a reasonable timeframe, and repeated delays may indicate an attempt to frustrate or pressure you into accepting a lower settlement.
    2. Lowball Settlement Offers

      • Offering a settlement far below the actual value of your claim is a common tactic used to save money. If the offer does not account for medical expenses, lost wages, and other damages, the adjuster may be acting in bad faith.
    3. Denying Your Claim Without a Valid Reason

      • Insurance companies must provide a legitimate reason for denying a claim. If the denial is vague, unjustified, or based on irrelevant information, it may indicate bad faith practices.
    4. Misrepresentation of Policy Terms

      • Some adjusters might misinterpret or misrepresent the terms of your policy to justify a lower payout or denial. For example, they might falsely claim that your coverage does not include certain damages when it actually does.
    5. Failing to Conduct a Proper Investigation

      • An insurance company has a duty to investigate your claim thoroughly and in good faith. Ignoring key evidence, dismissing witnesses, or refusing to review medical records are signs that the adjuster is not taking the claim seriously.
    6. Using Intimidation or Coercion

      • If an adjuster pressures you to accept a settlement, sign a release, or give up your right to further compensation, they may be acting in bad faith. Intimidation tactics include threatening to close your case if you do not comply.
    7. Refusing to Communicate

      • Open communication is a critical part of the claims process. If the adjuster is avoiding your calls, failing to respond to emails, or withholding information, they may be trying to delay the resolution of your case unnecessarily.
    8. Altering or Destroying Evidence

      • In extreme cases, adjusters may tamper with evidence or documentation to weaken your claim. This is a serious violation of ethical and legal standards.

    What to Do If You Suspect Bad Faith

    If you believe an insurance adjuster is acting in bad faith, take the following steps to protect yourself:

    1. Document Everything

      • Keep detailed records of all interactions with the insurance company, including emails, phone calls, and letters. Note the dates, times, and key points discussed.
    2. Request Written Explanations

      • If your claim is delayed, denied, or undervalued, ask the adjuster to provide a written explanation. This can serve as evidence if you need to take further action.
    3. Know Your Policy

      • Familiarize yourself with the terms of your insurance policy to ensure you understand your coverage and rights.
    4. Consult an Attorney

      • A personal injury attorney experienced in handling bad faith claims can assess your case, negotiate with the insurance company, and take legal action if necessary.
    5. File a Complaint

    6. Consider Legal Action

      • If the insurer’s actions cause financial or emotional harm, you may have grounds to file a lawsuit for bad faith insurance practices. An attorney can guide you through this process.

    How Miller Personal Injury Attorneys Can Help

    If you suspect that an insurance adjuster is acting in bad faith, Miller Personal Injury Attorneys is here to help. We specialize in holding insurance companies accountable for bad faith insurance practices. Here’s how we can help:

    • Thorough Case Evaluation: We will carefully evaluate the facts and circumstances of your case to determine whether the insurance company has engaged in bad faith insurance practices. .
    • Negotiation Expertise: With our history working for insurance defense firms, we can readily identify bad faith insurance tactics. We are skilled negotiators who can challenge lowball offers and unfair tactics, ensuring you receive the compensation you’re entitled to. 
    • Comprehensive Legal Representation: If necessary, we will file a lawsuit against the insurance company and crusade for your. 
    • Guidance and Support: We provide clear communication and compassionate support throughout the entire legal process, keeping you informed every step of the way.

    With Miller Personal Injury Attorneys on your side, you can focus on your recovery while we handle the legal complexities. Don’t let insurance companies take advantage of you— contact us today to help you secure the justice and compensation you deserve.

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