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No expert on accidents would ever suggest that the owner of an automobile would be wise to forget about paying for car insurance. Still, those lawyers that deal with the victims of car accidents have also seen what sort of actions an insurance company can take. Some have perfected use of the tactics that can be used to delay or avoid payment of a policy holder, especially one with a claim.
Examples of bad faith practices
• Insurer loses paperwork and asks for re-submission of the lost papers.
• Insurer denies the validity of a submitted claim.
• Insurance company fails to investigate a policy holder’s claim.
• Insurer’s readiness to issue untimely payments
• Company’s adjuster makes an outrageously low offer.
• Company cancels policy following a claim’s submission.
• Company points to past claims, when denying one that has just been made.
• Insurer demands completion of an excessive amount of paperwork.
Insurer’s readiness to misrepresent the facts, even while speaking with an injury lawyer in Cambridge. A lawyer knows a great deal about law, but is not an expert on every field of medicine. An insurance company might make a ridiculous statement, and might back it up by misrepresenting the facts about a certain type of injury.
Examples of how a policy holder can fight such bad faith practices
The policy holder does not hesitate to appeal a claim, once it has been denied. Insurance companies know that the average policy holder will not appeal the denied claim. That is why the same companies are so quick to deny even valid claims.
The policy holder should know how to respond to a ridiculously low offer from an adjuster. Over the phone, the adjuster should be asked to explain the reason for that low offer. The policy holder must listen carefully to what the adjuster says.
Naturally, the policy holder will be able to see the weaknesses in the adjuster’s argument. It is seldom a strong argument. Then the same policy holder needs to write a response to the adjuster’s comments. Later, the person that wrote that letter can call the insurance company and request a response to the piece of mail that was sent earlier.
A good lawyer should tell a client to make at least one copy of each document that gets sent to the insurance company. In that way, there is going to be less of a delay, if the same company claims to have lost a given document.
By the same token, a good lawyer can explain to a client that insurers are allowed to be sued for dependence on bad faith practices. Then the same client will have to decide if he or she wants to pursue the possibility of filing for such a lawsuit. The larger the insurance company and the more innocent-looking the cheated policy holder, the greater becomes the chance that the defendant (the insurance company) will lose.