Examples of common forms of bad faith practices by insurance companies include:
- Unreasonable delay in acknowledging and replying to a claim
- Imposing excessive requirements on an insured to produce documents not required under the terms of the policy
- Employing demeaning or harassing conduct in investigating a claim
- Delaying, denying or discounting value of a claim without a proper basis
- “Lowballing” claims payments
- Alleging criminal conduct on the part of the insured (arson, insurance fraud, theft or other crimes) without competent evidence
- Treating policyholders as adversaries
- Policy cancellation for making a claim as retaliation
- Failure to conduct a timely and thorough investigation of liability and damages
- Electing not to pay a claim where coverage and damages are reasonably clear under one section of the policy as a negotiating advantage regarding settlement under another portion of the policy
- Suggesting that an insured should not retain an insurance claims lawyer
- Conducting a biased investigation
- Conducting an outcome oriented investigation
- Intimidating policyholders into abandoning a claim or accepting a lowball offer
- Intentional misinterpretation of policy language
- Searching for reasons to deny a claim rather than a basis to pay a claim
- Intentionally misconstruing or misinterpreting the law to the disadvantage of the policyholder
- Shifting the responsibility or obligation for conducting an investigation to the insured
- Disregarding the insurance companies own procedures enumerated by its claim’s manual
- Failing to timely tender policy limits
You can reach Insurance Claims Lawyer J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email Attorney Gonzalez-Sirgo directly at [email protected].
