Suffering injuries or monetary loss can leave you in a bad financial position after an accident. Your life can get disrupted with no apparent chance of a quick recovery. Your insurance policy might seem like your only hope in such circumstances.
However, your hopes can get crushed if your insurance provider starts to evade or dodge your claim. By opting for a particular insurance policy, you put all of your trust in that particular insurance provider. You can end up feeling betrayed if your insurance provider fails to honor your trust.
Getting betrayed by your insurance provider can add insult to your injury. The situation might seem hopeless, and you might consider giving up. However, there is help available to you. You can hire an attorney to seek justice for you and get you everything that was promised to you.
1.A Lack of Cooperation
Your insurer is supposed to be an entity that you can rely on when the going gets tough. In case of an accident or injury, your insurance provider is supposed to cover the costs of your misfortune; this is what you pay them for, after all.
However, if there is a lack of cooperation on the part of your insurance provider, it can leave you feeling defrauded. Paying for your insurance all these years and not getting anything in return when you need it the most can be frustrating.
This can leave you dissatisfied and looking for answers. You can try to give your insurance provider the benefit of the doubt, but if this behavior continues, you should take action.
2.Refusing to Pay Outright
In some cases, your insurance provider might refuse to pay you outright if you have made a claim with your insurance provider to cover your medical costs or the repair bills for your car or your house, and they refuse to pay you, then it can leave you out of options.
According to your policy, you have certain rights, and these rights give you the ability to claim financial support from your insurance provider. However, there can be insurance providers that try to dodge your claim on the basis of a technicality.
In such instances, the insurance provider might try to get out of their obligation to pay you based on a technicality or a hidden policy clause.
3.Offering a Low Settlement
Once you file a claim with your insurance provider, it is the job of your insurance adjuster to get you to agree on the lowest sum possible in the shortest amount of time. This is a practice that is unfortunately carried out throughout the industry, and it can leave people with less money than they deserve.
If your insurance provider is trying the same with you, you should fight for a better outcome. You should understand that you do not have to accept the first offer you get, and there can always be room for negotiations.
If you are having no luck with these negotiations, then it might be time to hire a lawyer to negotiate on your behalf. A lawyer can get you better terms on your settlement agreement with minimum hassle.
4.Lack of transparency
Another thing that you have to look out for when filling a claim with your insurance provider is a lack of transparency. If your insurance provider is not upfront with you about the details of your policy or if they are trying to dodge your questions, it can be a bad sign.
By keeping things hidden from you, your provider can justify the low offers that they give you. A lack of transparency gives them more wiggle room to get you to agree on unfavorable terms. This will ultimately be bad for you if you do not protest it.
If you are unsure about what you should do next, then it might be a good idea to contact a lawyer who can guide you through the process.
5.Misrepresentation of Policy
When it comes to advertisement, there can be a lot of room for misrepresentation. With careful structuring of words, your insurance provider can make you believe that you are signing up for a comprehensive plan, which can get you to pay more for the policy.
However, in reality, there are a lot of gray area practices going on in the background, and you will need a legal expert to navigate through them. If your provider has misrepresented the terms of their policy, then you might have some recourse under the law. Your lawyer will be able to guide you better when it comes to such matters.
6.Evasive Behavior by Insurer
Another telltale sign of your insurer acting in bad faith is evasive behavior. If your insurance provider is trying to dodge your claim, they will do everything in their power to avoid straightforward communication. They will give you vague answers that can waste your time and energy.
If your insurance provider is not answering your calls or ignoring your emails, it might be a good idea to engage a lawyer. A lawyer will be able to establish a clear line of communication with them, which will give you the results you are hoping for.
Remedies Available to You
If your provider is exhibiting any of the signs mentioned above, it will be a good idea to engage a lawyer. A lawyer will be able to provide you with an advantageous position when it comes to dealing with insurance providers.
You can get in touch with the Law Office of Matthew L. Sharp to get a consultation on the matter. By engaging a lawyer, you will be able to ensure that your rights will be protected. Engaging a lawyer comes with the added benefit that your insurance provider will not be able to give them the workaround.
A lawyer who is experienced in the field will be able to spot these bad-faith tactics right away and take action against your insurance provider. This action can be in the shape of a lawsuit or a complaint against your insurance provider to the NAIC or local consumer protection authorities.
