A Bad Faith Insurance Attorney Can Fight for Your Rights
Individuals and businesses purchase insurance to protect themselves against a variety of financial risks and exposures. Automobile insurance is purchased to protect against the risk of claims and lawsuits by others (liability insurance) and to pay damages which the insured may suffer (medical payments, collision coverage, and uninsured motorist coverage). When you or your business takes out an insurance policy, you are protected against “bad faith” insurance practices. These practices may include delaying, withholding, or denying the policyholder benefits that are based on legitimate claims filed under valid insurance policies.
When an insurance company acts in bad faith by failing to pay or defend against valid claims, claimants and the insured can suffer financial and emotional losses. As an insured individual or business, you have the right to take legal action against your insurance company if it fails to respond to your claim in a timely and fair fashion in accordance with the terms of the insurance agreement.
OUR ATLANTA ACCIDENT ATTORNEY CAN HELP IN SITUATIONS THAT REQUIRE EXPERT LEGAL KNOWLEDGE
Georgia law has defined the relationship between insurance companies and their policyholders as “fiduciary.” This relationship does require that each engage in trust and in good faith in upholding the obligations required under the contract. This means that:
- Insurance companies are required to pay or deny the claim within a reasonable period of time.
- The person making the claim (the claimant) is entitled to a prompt response and answers to questions or concerns.
- The insurer (insurance company) may not unnecessarily delay the adjustment of the claim or require unreasonable paperwork or documentation as a mean of extending the claim period.
- If a claim is denied, the insurer must explain to the insured the reason for the denial and the policy provision supporting that denial.
- The insurer has an obligation to protect the insured by settling a valid claim rather than subjecting an insured to an excessive liability judgment.
What is considered to be bad faith practices will vary depending on the type of insurance involved in the case. If you feel as though you or your business has a bad faith case against an insurance company, one of our Georgia bad faith insurance attorneys can help you determine the best course of action to resolve your case.
Our Georgia bad faith lawyers assist clients in resolving bad faith cases involving:
- First Party Insurance
- Motorist Insurance
- Liability Insurance
TRUST OUR EXPERIENCED LAWYER TO ACT ON YOUR BEHALF FOLLOWING AN ACCIDENT IN ATLANTA
Remember that even if you are dealing with your own insurance company after an accident that has prompted a claim for compensation, it is wise to consult with an attorney prior to speaking to insurance representatives. After an accident, many people rely on insurance adjustors to investigate what happened and offer a fair financial settlement. But adjustors work for an insurance company, not for you, and their job is to keep financial costs low. Our Georgia bad faith insurance attorneys can protect you from predatory and bad faith practices to get you the compensation you deserve.
Call The Hawkins Law Group LLC today at 678-376-3900, or contact us via our online form. Ms. Hawkins will personally take your call. Although we have an experienced staff, we don't use receptionists to screen a potential client's call. Call today for a free legal consultation with Ms. Hawkins.