Very often, personal injury cases involve insurance bad faith. When a person is injured in an auto accident, he or she expects to be covered under an existing liability policy or an uninsured or underinsured motorist policy. He or she then files a claim with the insurance company to be compensated for injuries, loss, or damages. While some claims go smoothly, others do not.
Insurance companies sometimes delay payments or decline coverage for no valid reason other than to avoid paying your claim. If this has happened to you, you have suffered “insurance bad faith.” You may need the help of an aggressive Maryland insurance bad faith attorney to get the money you rightfully deserve. Contact us today or call (301) 932-9997 for a free case evaluation, let our experienced team at Alpert Schreyer Personal Injury Lawyers help you.
Bad Faith Practices Are Prohibited by Law
An insurance claim is a contract battle between an insurance company and the insured party – the individual who has purchased the insurance policy.
Both the insurance company and the insured party are bound by the terms of the contract and are required to act in good faith. If you file a legitimate claim and your insurance company denies it, then they are breaching or violating a contract.
You, as the insured, may file a lawsuit for the compensation that should have been made to you through a legitimate claims process. If you win, you may even be able to collect the money you spent on attorney’s fees and court costs.
Maryland law requires insurance companies to act in good faith. The law mandates that insurance companies are fair to consumers. What this means is when an individual who is insured files a claim of loss or damage, the insurance company cannot make up a reason to deny the claim or look for ways to dodge its obligations set forth by the contract.
If there are discrepancies or questions concerning what is covered under a specific insurance policy, then it is up to the courts to interpret any confusing or unclear language in the contract.
What Amounts to Insurance Bad Faith?
Just the fact that your insurance company is refusing to pay your claim does not amount to bad faith. The burden of proving that the insurance company acted in bad faith is on you, the insured. You must establish that the insurer did not have a valid reason or basis for denying your claim and the insurance company either knew or should have known that they had no reason to deny the claim.
You must also prove that the insurance company violated your rights and violated your contract by denying the claim or failing to honor it in a timely fashion. You may also file a bad faith claim if your insurance company fails to investigate or process your claim.
Contact Us If Your Claim Has Been Delayed or Denied
If your insurance company is denying coverage or delaying payment on your claims, you should seek the advice of an experienced attorney immediately. If you or someone you love has a bad faith insurance claim in Maryland, an attorney from Alpert Schreyer Personal Injury Lawyers can help you get the compensation you deserve.
To get help with your car accident case, look to Alpert Schreyer Personal Injury Lawyers. Our Maryland insurance bad faith lawyers have a proven track record of providing injured victims with aggressive legal counsel.