When dealing with an accident claim, the last thing you expect is for your insurance company to act unfairly. Unfortunately, this happens more often than most people realize. “What steps are taken if insurance doesn’t want to play fair?” is a question our team at Colvin Accident Lawyers hears frequently from clients frustrated by delays, denials, or lowball offers.
Insurance companies have a duty to handle claims in good faith. When they don’t, you have legal options to protect your rights and get the compensation you deserve.
1. Identify Bad Faith Tactics
Insurance companies may use unfair tactics to protect their profits. These include:
Unreasonable delays in processing your claim
Denying valid claims without proper investigation
Offering settlements far below fair value
Ignoring evidence or misrepresenting policy terms
If you notice these behaviors, it’s time to act.
2. Document Everything
Keep thorough records of every interaction with your insurance company. This includes:
Emails and letters
Phone call notes
Copies of medical reports, estimates, and receipts
A detailed paper trail strengthens your case and can prove the insurer acted in bad faith.
3. Communicate in Writing
Always follow up phone conversations with an email confirming what was discussed. Written communication creates a verifiable record of the insurer’s statements and actions.
4. File a Complaint
If your insurance company continues to act unfairly, you can file a complaint with your state’s Department of Insurance. This puts the insurer on notice and may prompt a faster, fairer response.
5. Consult a Lawyer
An experienced attorney can evaluate your situation and determine if you have grounds for a bad faith insurance claim. At Colvin Accident Lawyers, we hold insurance companies accountable when they refuse to play fair. We can help you negotiate a fair settlement or take legal action if necessary.
6. Take Legal Action
If the insurer’s conduct violates state insurance laws, you may be entitled to additional damages beyond your original claim. Your lawyer can file a lawsuit seeking compensation for:
Emotional distress
Financial losses caused by the delay
Punitive damages (in extreme cases)
Frequently Asked Questions
1. What is “bad faith” in insurance?
Bad faith occurs when an insurance company unreasonably delays, denies, or undervalues a valid claim, violating its legal duty to act fairly.
2. Can I sue my insurance company for acting unfairly?
Yes. If your insurer’s behavior meets the legal standard for bad faith, you may sue for additional compensation beyond your policy benefits.
3. How do I prove bad faith?
You’ll need evidence showing the insurer acted unreasonably—such as ignored communication, false explanations, or unjustified delays.
4. Should I handle a bad-faith claim myself?
It’s risky. Insurance companies have experienced legal teams. Hiring an attorney helps level the playing field.
5. How can Colvin Accident Lawyers help me?
We specialize in personal injury and insurance disputes. Our team investigates unfair practices, negotiates aggressively, and fights to protect your rights.
