Bad Faith

An insurance policy is considered a contract between you and your insurance company. When your insurance company unreasonably withholds the benefits of your policy or wrongfully rejects your claim, they are considered to be in "bad faith." Bad faith insurance can take place at any stage of the claims process and includes the denial of insurance benefits due under a policy, a delay in response to a claim, a low offer to compensate justified damages, and failure to promptly and thoroughly investigate a claim.

If you feel your insurance claim is being unreasonably rejected, you should immediately notify your insurance agent and review your insurance policy as it relates to the relevant terms of the claim. Make sure to document all contacts and communications made with the insurance company. If you still feel you have a claim, you should:

· First, collect all of the correspondence you have had   with your insurance company and write a letter to   the company's director of claims. Be sure to cite the   terms of the policy and why you feel your claim   should be covered.
· At the same time, send a letter to your state's   Department of Insurance commissioner and request   a review of your case.
· Finally, consult our qualified insurance bad faith   insurance attorneys. We can advise you of your   legal rights and ensure you get the claim to which   you are entitled.

Unfortunately, a majority of people who have a legitimate bad faith insurance claim choose to do drop their case, most likely because they don't know their options. If you suspect your insurance company is withholding your claim, contact Gilreath & Associates today.