How To Sue An Insurance Company For Bad Faith?

An insurance company sells protection. The holder of a car insurance policy expects protection from unanticipated losses after becoming involved in a motor vehicle accident. If the protection promised by the insurer is denied, that act can be used as grounds for suing the company that has demonstrated bad faith.

Typical demonstrations of bad faith by an insurer:

The insurer’s company refuses to pay money that is owned to a policy holder or to a claimant. A policy holder might expect money, because he or she has been promised financial protection. A claimant might seek money, because he or she was insured in a collision that was caused by one of the insurance company’s policy holders. The same company denies a claim without providing a reasonable basis for that denial.

Actions to be taken by someone that plans to sue an insurance company:

• Keep all relevant documents.
• Take notes when speaking on the phone with anyone from the insurance company. Save the notes taken during those conversations.
• Keep all the medical records that pertain to your accident-related injury. Those should help you to prove that your injuries resulted from the forces placed on your body at the time of the accident.
• Speak with an Injury Lawyer in Richmond. If you plan to sue an insurance company, you must arrange for an attorney to argue your case in a courtroom.

Tactics to prepare for:

There are 2 tactics that insurance companies like to use, if they have been sued for bad faith. Both of those tactics represent an effort to confuse and exhaust the plaintiff, the person that initiated the lawsuit. Plaintiffs that have a lawyer gain access to needed assistance, when forced to deal with those 2 tactics.

Some insurance companies dream up a reason for sending multiple forms to the person that has sought fair treatment. For instance, if the plaintiff had multiple injuries, the insurance company might send a form for each injury. Each form would seek facts, as evidence that a certain named injury had resulted from occurrence of the accident.

Other companies try to wear out the plaintiff. Their tactic does not involve asking for new information. Instead, the company’s tactic-of-choice relies on their ready access to the plaintiff. The company takes advantage of that ready access, and keeps requesting the same pieces of information.

One of the company’s employees might call with a request, and pretend that he or she had no idea that another employee in a different department had made the same request. Alternately, it could be that one specific employee might keep calling, and then saying repeatedly that he or she has lost the details about a certain aspect of the plaintiff’s case.