Insurance Bad Faith

Ohio Lawsuits & Legal Rescources

Insurance companies are required to treat their customers fairly when handling claims. However, that doesn't always happen. Sometimes an insurance company will deny your claim without reason. If that happens - you may have a claim for insurance bad faith, also known as unfair insurance claim practices.

Unfortunately, each state has its own system for overseeing insurance companies which poses problems for policyholders, particularly in those states where recent legislative changes and court decisions favor the insurance industry; which in turn, may encourage bad faith conduct.

People buy insurance often because they are required to by the state for car insurance and by their mortgage company to protect their home's investment. People also want to believe in the system and protect themselves and their families from natural disasters, fires, injuries, illness, disability, accidents, or death.

Do you need an insurance bad faith law firm to fight your insurance company?

When tragedy strikes, the last thing you deserve is to have your insurance company deny a claim for no good reason, especially after you have faithfully been paying the premiums.

Under Ohio law, insurance companies cannot refuse to pay a customer's claim without "reasonable justification". This means that an insurance company must engage in a reasonable investigation and pay legitimate claims in a timely manner. If an insurance company fails to handle your claim or handles it badly, the insurance company may be liable to pay additional damages, over and above the amount of the original claim. Unfair insurance claim practices can happen from the mishandling of claims under many different types of insurance policies including automobile/motor vehicle, health, disability, homeowner, and life insurance.

Some of the more common bad faith claims are when an insurance company fails to pay out a reasonable sum for an uninsured motorist claim or when a health insurance won't honor medical treatment.

Unfair insurance claims practices may cause you - the victim - to go bankrupt and get bad credit from trying to pay your own medical bills or be unable to work because of being denied a treatment.

Find a lawyer cognizant in the ways of bad insurance practices who can help make wrongs right.

Do you need an insurance bad faith law firm to fight your insurance company?