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Bad Faith Insurance Claims In Florida

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If you are injured on the premises of a business, or perhaps in an automobile accident, chances are the insurance company will attempt to settle the case out of court. But how do you, as a victim, know whether or not their offer is fair? After all, as a layman, how could you possibly evaluate the legitimacy of a payout proposal? Having an experienced lawyer to fight on your behalf might be a good idea.

What is Bad Faith?

Insurance companies have a legal duty to deal fairly and with good faith to those they insure. Good faith insurers work quickly and efficiently to pay claims. When insurers instead opt to operate with bad faith, they are generally trying to save themselves money, and are not taking care of you properly in the moments that you most need them.

Signs of Bad Faith

Insurers have a number of tactics they employ that may signal they are acting in bad faith.  Included among the most common strategies:

  1. Advising you not to obtain legal counsel;
  2. Delaying or denying payments unreasonably;
  3. Failing to acknowledge a claim has been filed;
  4. Failing to properly investigate a claim in a timely manner;
  5. Failing to promptly evaluate potential damages;
  6. Attempting to settle for less than a suitable amount;
  7. Paying claims without providing statements to explain what the payment is for;
  8. Requiring redundant medical reports;
  9. When denying a claim, failing to provide understandable and reasonable explanations;
  10. Employing unethical or illegal methods to investigate claims;
  11. Harassing or threatening you or other witnesses;
  12. Intentionally low balling an offer;
  13. Misconstruing events or information in order to skew the results of a claim determination;
  14. Treating you in an adversarial manner;
  15. Intentionally miscommunicating or failing to answer questions;
  16. Mischaracterizing aspects of the claim in order to lower their own financial responsibilities or shift blame to someone else;
  17. Refusing to settle a third-party claim;
  18. Denying that a procedure is covered simply because it is costly;
  19. Suggesting cheaper, less desirable treatment options;
  20. Deliberately misinterpreting language found in the policy;
  21. Refusing to act in the best interests of the patient in order to save money.

Social Responsibility 

The notion that insurance companies have a responsibility to behave in ways that consider more than pecuniary benefits is not new. Unfortunately, not every insurer, and certainly not every insurance agent, realizes that financial benefits are only part of what puts, and keeps a company in business.

If you find yourself battling an insurer who utilizes questionable methods to respond to your accident, it’s more important than ever to have ethical, aggressive legal talent on your side. At the Law Offices of Robert W. Elton, that is precisely what you will receive. Schedule a confidential consultation with us in Daytona & Ormond Beach to unravel your insurance dilemma today.