After a car accident, you need your insurance company to step in and do what you paid them to do. Insurance coverage for West Virginia drivers can be quite expensive, and when you give these companies your hard-earned money, it is with the expectation that you will have coverage for losses and damages in the event of an incident.
When your insurance company fails to do what they said they would do, it can be frustrating and leave you in a state of financial duress. The act of refusing to pay on an incident that clearly qualifies per the terms of your coverage contract is acting in bad faith. This could be grounds for you to file a civil claim against your insurance company.
Are you involved in a dispute with the insurance company?
If you are in a dispute with your insurance company over a denied car accident claim, you will find it beneficial to approach this situation with care and caution. By filing a bad faith claim, you can hold the insurance company accountable for what you experienced and continue to pursue what you need to move forward after an accident.
You may be uncertain if the insurance company actually acted in bad faith, but you may have a valid claim if your coverage provider did any of the following:
- Told you that your policy does not cover your injury or damage
- Did not properly investigate your claim
- Cancelled your policy without grounds or warning
- Offered you less than your claim is worth
- Informed you that you failed to disclose certain information on the insurance application
- Tried to collect on premiums that you already paid
- Raised your premiums to an unfair amount
- Did not defend you as a policy holder
- Inappropriately threatened you with legal action
Fortunately, you do not have to simply accept any type of unlawful and inappropriate treatment from your insurance company. You may find that you are able to reach a reasonable outcome through negotiations or by pursuing a bad faith claim against the company.
Fighting for what you paid for
You may have a valid bad faith insurance claim if you can prove that the insurance company wrongfully withheld funds or acted unreasonably or with reckless disregard for the insured.
It can be difficult when you learn that you cannot count on your insurance company to provide the coverage for which you paid. You can fight back, holding the liable parties accountable and fighting for the money you need after a motor vehicle collision, as well as compensatory damages.