Bad Faith Insurance Suspicions

Answer:

We often get calls from clients who are not satisfied with their own insurance company. They don’t think they’re being dealt with fairly by their own insurance company. What can we do to fix that?

It depends on the circumstances. Here’s an example of how we handled a circumstance rather recently:

A client had an event happen in her backyard where someone got hurt. She was responsible. The person got hurt very badly. Her insurance company, her homeowner insurance company, would not pay the claim to the woman who got hurt. Her damages, her injuries go way beyond the limits of the insurance policy, so she came to us, asking what to do.

What we did was we put the insurance company on notice of its behavior, saying that we fully expected the insurance company to deal fairly with that injured person, and pay that person, and settle the case within our client’s policy limits. We did that so that if this injured person sues and gets a verdict way beyond our client’s policy limits and personally exposes her to those damages, then we have set the stage for a bad faith case.

That is a way to protect yourself if you have that kind of scenario where your own insurance company is not doing what you think they ought to do. Call us. We’ve been in practice for decades. We can write a letter. We can lay the foundation for protecting you in the event the insurance company’s behavior harms you by putting you in a position of personal exposure for a loss that should have been paid by your insurance that you bought and that you relied upon to protect you.

That’s what we do here. If you have a case like that in Duval County, Nassau County, or the surrounding areas, call us. We’ll sit down and we’ll figure out a plan that’s designed to protect you from your own insurance company.