Any number of issues may prompt the need for you to file an insurance claim after suffering an on-the-job injury. In a perfect world, you would simply file all necessary documents and the California insurance company would process your claim in accordance with state laws and regulations. It doesn’t always happen this way in reality. In fact, bad faith insurance often causes frustration and stress, especially for someone who knows that he or she has filed a valid claim but it is being denied.
Issues that often constitute bad faith insurance
While it is often possible to hold an insurance company accountable when it has acted in bad faith, it’s important to first make sure that the issues you’re dealing would be grounds for filing a complaint. For instance, if your claim was unreasonably denied, and you can prove this in court, it would be one of several legitimate reasons for filing a bad faith insurance complaint. Perhaps your claim wasn’t denied, but you believe that an insurer is offering less compensation than you’re entitled to; this would also constitute grounds for litigation.
Make sure you have a strong case before heading to court
It’s important to clearly understand the terms of your insurance policy before determining whether you should file a bad faith insurance complaint. It is especially important to check whether there are exceptions listed in your policy that may affect the amount of compensation to which you may be entitled in certain circumstances. You’ll also want to send a demand letter to your insurer if you’re planning on filing an official complaint.
Acting alongside experienced legal representation can help alleviate stress
You may already be experiencing physical, emotional or economical pain in the aftermath of a workplace injury. An insurer who is disregarding the law or acting in bad faith makes such situations all the more stressful. At Duncan Law Firm in California, an experienced legal team will advocate on your behalf to insist that insurers uphold their obligations to process claims in a fair, timely and competent manner.