After surviving a car accident, those who are involved often face a long road toward recover—often with serious injuries that add to the difficulty of the experience. When insurance companies receive a claim, they do not always behave in a way that a policyholder would hope after years of paying a premium each month.
Insurance companies operate on profits. As a result, they sometimes behave in such a way that protects these profits. Claim denials, slow responses, and low offers are all tactics used by adjusters when they are attempting to protect the interests of their company. While experiencing these tactics, victims of car accidents may feel frustrated and accept anything the adjuster says.
It’s important to remember that you do not have to deal with this behavior. Texas law considers some insurance practices as bad faith—this means that insurance companies have a responsibility to act in good faith toward those who are making a claim. When they fail to do so and utilize dishonest, misleading, or unfair tactics, they may be operating under bad faith.
Bad Faith Car Insurance Practices
Insurance companies practice bad faith because they sometimes get away with it. Often, those who are experiencing issues with making a claim do not take their insurance company to court to hold them accountable.
The help of an experience Texas car insurance claim attorney will help you build a strong case to earn the compensation you deserve after your accident.
Examples of bad faith practices include:
- Misrepresenting a policy
- Failing to communicate with the claimant
- Offering a low settlement
- Failing to conduct a thorough investigation
- Refusing to pay a legitimate claim
- Improperly requesting federal tax returns
- Delaying a claim
When Does an Attorney Claim Bad Faith?
Bad faith is rarely the sole focus of a lawsuit. Instead, it is used as a component to prove that the claimant deserves compensation. If a case is won in court against an insurance company, bad faith is almost always obvious at that point. This means that the components above may be used by an attorney to strengthen a case but will not necessarily be the only focus. However, proving band faith is frequently one of the most effective ways to obtain compensation.
An attorney may ask the following questions to show bad faith:
- Was a claim denied by someone who was seriously injured by a drunk driver?
- Did the insurance company deny responsibility when the accident falls under the coverage of a policy?
- Was the settlement offered by the insurance company low when compared to the damages from the accident?
- Did the insurance company accomplish a thorough investigation that took all aspects of the accident into consideration?
No insurance company should be allowed to risk the future of claimants merely because they do not want to provide a fair settlement. When an insurance company refuses to give the compensation a claimant deserves, it is essential that the help of an experienced insurance claim lawyer. Doing so will help remind the insurance company that their profits take secondary priority to exercise their services in good faith.
At Arnold & Itkin, we’ve helped thousands of people pick up the pieces of their lives. Our attorneys do not let dishonest tactics derail a strong claim. We have won billions of dollars for clients by using our extensive trial experience to prevent insurance companies from getting away with bad faith practices.
Call Arnold & Itkin today to discuss your car accident bad faith insurance claim. Consultation is free when you call (888) 493-1629