While you would expect your insurance company to be there for you after an accident or injury, this isn’t always the case. In fact, some insurance companies in Florida will deny valid claims made by the insured with absolutely no legitimate reason for doing so. HG.org offers the following examples of bad faith insurance practices, which will help you identify any issues when making a claim to your insurance company.
Your insurance company must respond to your claim in a timely manner. Failure to do so is a type of bad faith, and usually entails the company waiting an inordinate amount of time to let the policyholder know whether the claim had been approved. Companies are also obligated to perform a thorough inspection regarding the claim, and if the necessary work is not performed a company may be acting negligently.
It also helps to know your policy terms inside and out. This is because many companies will simply deny a claim without a solid basis as to why. They may also claim that you’re owed a lesser amount or that you must wait for payment for an unspecified reason. If you’re sure your incident was covered, it’s best to contact an attorney with knowledge of bad faith insurance claims.
A company may also make unreasonable demands on its customers after an accident. While it’s natural that you’ll need to provide documents of what occurred, some companies request unnecessary documentation or require that you submit the same information multiple times in different forms. They may also fail to request a document and subsequently deny your claim because it wasn’t provided.