Every month, you pay your insurance premiums with the expectation that when you need to file a claim, coverage will be there for you. Unfortunately, insurance companies often put their own bottom lines ahead of your best interests. You may be shocked to find that when you finally need protection, you are suddenly your insurer’s rival.
Mark Troy spent years working for the West Virginia Insurance Commission. He has seen first-hand the tactics used by insurance companies to delay, devalue or outright deny valid claims. This experience gives him a unique insight into policy disputes and how to build successful insurance bad faith claims.
If you are struggling with an insurance company, you need an attorney with an extensive depth of knowledge and a proven record of success with bad faith claims. Call Troy Law Firm, PLLC today at 304-345-1122 to discuss your case for free. We welcome clients from Charleston and Huntington, West Virginia, Ashland, Kentucky, and other areas throughout West Virginia and in Eastern Kentucky.
What Is Insurance Bad Faith?
You purchase insurance to protect yourself and your family against unforeseen risks and to give you peace of mind in the event of a loss. When you suffer a loss, you count on your insurance company to live up to its end of the bargain – to pay your claim. Bad faith cases arise when an insurer fails to live up to its obligations and unreasonably denies, delays or diminishes the fair value of your claim. An insurance company may also be held liable for additional damages you suffered as a result of denying or delaying payment.
Not every denied insurance claim constitutes bad faith. Determining bad faith requires the knowledge, skills and resources of an experienced attorney who is adept at insurance laws, regulations and claim practices. As a former hearing examiner for the West Virginia Insurance Commission, attorney Mark Troy has extensive front-line experience in a wide range of insurance matters. Contact Troy Law Firm, PLLC, for a free review of your case.
Common Examples of Bad Faith Insurance
A certain amount of back-and-forth negotiations between you and your insurance adjuster is usually normal. However, if your insurer devalues, delays or denies your claim unfairly or without providing any type of reason or justification, you may have grounds for suing the insurance company for bad faith.
Common examples of bad faith insurance can include:
- Failure to promptly investigate a claim
- Unreasonable delay in payment
- Unreasonable arguments to refute a claim
- Unreasonable interpretation of policy language
- Failing to promptly or thoroughly investigate a claim
- Breach of duty under insurance contract
- Unreasonable denial of benefits
- Misleading or hidden terms in policy
- Refusal to settle case or reimburse loss
- Dishonest, deceptive, or fraudulent conduct
Call Now to Discuss Your Insurance Bad Faith Claim for Free
To learn more about how Mark Troy can help you, contact Troy Law Firm, PLLC today online or at 304-345-1122 to discuss your case for free. We help victims of insurance bad faith from Charleston and Huntington, West Virginia, Ashland, Kentucky, and other areas throughout West Virginia and in Eastern Kentucky.