Bad Faith Insurance Claims in Spokane
Is Your Claim
Actually "In Good Hands"?
If you find yourself dealing with a difficult or
bad faith insurance process, ask yourself this: why did you buy insurance in the first place? You
bought insurance to protect yourself in the event that someone was seriously
injured on your property, your house caught fire, to cover costs of injuries
in a car crash, or losses associated with your commercial business. The
point is this: the whole purpose of having insurance is to protect you
from a financial or medical emergency if disaster strikes.
Recovery for the Seriously Injured
When you need help the most, you would expect your own insurance company
to honor their commitments to you and to treat you fairly. After all,
you have been a loyal customer for years, sometimes even for decades.
You have paid your premiums in full and on time. You have every confidence
that this will cover the costs of the recovery. You expect the same loyalty
in return. Your insurance company is supposed to be on your side – right?
In a perfect world, maybe. In reality, insurance companies are not on your
side. Their goals are exactly the opposite of yours.
Sweetser Law Office represents clients who have had their lives turned upside down because of an
accident or serious injury. The last thing we would want is for an insurance company to act against
your best interests.
Contact our Spokane bad faith insurance lawyer today for assistance!
Insurers Are Required to Act in Good Faith
While you want to get the full value of what is owed to you, your insurer
wants to hold onto its money – and that means paying you less than
you deserve. It means denying your claim entirely or at least creating
fear by lowballing offers and delaying payments.
Here’s what you need to know. There
is something you can do about it. Every insurance policy requires an insurance
company to act in “good faith” when there is an insurance
claim. Being in an accident or suffering any other type of loss is bad
enough, but when your own insurance company is being unreasonable and
unfair, you’re being victimized a second time. This is more common
than you think.
Protection from Low-Ball Offers
Most people do not know their rights or Washington's nuanced insurance
laws and obligations. Insurance companies make millions denying or lowballing
claims; it is their business model. But insurance companies across Washington know
the reputation that Sweetser Law Office has for protecting the rights of policyholders and accident victims, and they
know that we will not back down. Our office is led by former elected Spokane
James R. Sweetser, who has
over 35 years of firsthand experience standing toe-to-toe with insurance companies that avoid paying legitimate claims.
The consultation is
free and completely confidential. Call our Spokane firm at (509) 219-0020 to investigate whether the insurance
company is treating you fairly.
please have your insurance policy on hand.
What Is Insurance Bad Faith?
Don’t let the legal term “bad faith” stop you from getting
help. When an insurance company is making the claims process more difficult
or stalling your recovery, time may be critical in preserving your rights.
When you hear the term “bad faith” think of it this way: an
insurance policy is a mutual and binding contract. The contract spells
out what the insurance company agrees to do in the event of a claim. When
an insurer fails to act as required by the policy or by the laws of the
State of Washington‚ it is acting in what is called “bad faith”
and you may have a bad faith insurance claim.
Signs an Insurer Is Acting in Bad Faith
When an insurance company fails to honor its policy, obstructs settlement,
or refuses to pay what it owes it can be held responsible for not only
paying the original claim but also paying as a result of committing insurance
- Denying a claim without giving a valid reason (or sometimes any reason)
why your claim has been denied
- Delaying an investigation or payment unreasonably or excessively
- Refusing to make a fair or reasonable settlement offer – whether
that means making only lowball offers that do not account for the loss,
or failing to make a settlement offer at all
You cannot assume the insurance company will treat you fairly. Without
an experienced bad faith attorney, the insurance company will not budge.
Sweetser Law Office is here for families like yours that may not know if the insurance company
is unfairly violating their responsibilities, or trying to convince you
that your claim is worthless.
Our Spokane bad faith insurance attorney will ensure your rights are protected,
that insurance adjusters follow the law and that your claim is fully and
fairly valued. Contact us today to
request an appointment.