Denver Insurance Bad Faith Lawyer
An insurance company receives insurance premiums in exchange for its guarantee it will cover expenses laid out in the policy, should the need arise. You pay your premiums in good faith, believing the insurance company will fulfill its end of the bargain should you ever have to file a claim. Unfortunately, many insurance adjusters and insurance companies are overzealous in their desire to protect the company’s bottom line, or to guard against fraud. Denver residents do not have to surrender to insurance companies operating in bad faith. The attorneys of Jordan, Herington & Rowley can help you establish the facts of your case and fight to bring an insurance company to deal with you fairly.
What Bad Faith is Not
Many times, the insurance company may offer you a settlement you believe is lower than what you deserve, but is not out of line with the injuries you suffered. While you have the right to negotiate for a better settlement, the mere fact that they offered you a low settlement is not proof that the company is operating in bad faith.
Likewise, the insurance company may make an error in the facts of the case, leading them to deny the claim. You have the right to insist that the company re-evaluate the facts and correct the errors that led to their denial. However, a company operating in good faith may make a reasonable error that on having it pointed out, they are willing to correct. In such a case, the insurance company is not operating in bad faith.
Examples of Insurance Bad Faith
In some cases, the facts are not in dispute, including the cost of medical expenses or other relevant expenses related to your injury. When an insurance company makes an offer well below the actual expenses in your case and offers no explanation of why the offer is too low, they may be operating in bad faith. An insurance company that refuses to communicate the reasons for their low settlement offer is not demonstrating the intention to operate in good faith.
In the same way, a company that denies a claim and provides no explanation of why the claim has been denied may be operating in bad faith, as well. This is more than simply disagreeing with the company over whether the claim should be accepted; this is a case in which the company simply refuses to have any dialogue over the facts of the case and why they reached their decision.
How an Attorney Can Help
While it is only necessary to prove the insurance company acted in bad faith in your particular case, an attorney may be able to show that the company has a pattern of acting in bad faith in other insurance claims, as well. It may be necessary to bring in expert testimony to show the facts of your case would usually warrant the claim being accepted, or a reasonable settlement offer. They will help prove the insurance company did not operate as you could reasonably expect.
If you believe the insurance company handling your claim is not operating in good faith, an attorney may well be the key to bringing them to the table. Our Denver personal injury attorneys of Jordan, Herington & Rowley are experienced in helping Denver residents get the fair treatment they deserve from insurance companies.