Insurance Coverage Disputes & Bad Faith Claims
One of the growing areas of Washington insurance legal claims practice is against your own insurance company for wrongful insurance claims denial, coverage disputes, and bad faith claims. If you have filed a claim for property damage to your car under the collision or comprehensive coverage, or for medical and wage loss benefits under your Personal Injury Protection (PIP) coverage, or uninsured and underinsured motorist (UM/UIM) coverage, your insurance company may "unreasonably" delay, deny, and defend against your claim. You may be forced to file a lawsuit against your own insurance company just to recover what they should have paid from the beginning.
The reason for this is that the corporate office of insurance companies is looking after its bottom line to maximize profits and its shareholders best interest over the interest of its own insureds who have purchased the insurance policies to cover the loss to their cars, trucks, or motorcycles that have been wrecked in an auto accident.
If the vehicle is totaled, the insurance company may undervalue the total loss value. In cases of newer and more expensive cars like a Mercedes Benz, BMW, Lexus, a car that's been repaired may have diminished value (DV) but the insurance company will reject this claim unless an experienced Bellevue, Washington diminished value attorney like Andrew Kim steps in and fights for your legal rights.
You are not in "Good Hands" or treated like a "Good Neighbor" if the same insurance company that you have been paying premiums for all these years, makes you jump through a bunch of hoops before they pay anything.
If you are injured in a car accident in Seattle, Bellevue, Tacoma or the Puget Sound area and the insurance company wants to send you to one of their doctors for an "Independent Medical Exam" (IME), don't fall for that one because there is nothing "Independent" about the exam. It is better described as an "Involuntary Medical Exam" because you are forced to go by the terms of your insurance policy, which in most cases is used by your insurance company as reason to either delay, deny or terminate your PIP benefits when you are still injured and need additional treatment. Again, the insurance company profits from money they don't have to pay out to you, the insured, and the IME doctor profits by getting paid for writing reports that the insurance companies need to document their claim file to terminate coverage.
But don't worry, you have legal rights and can take action against your insurance company by demanding arbitration, filing an Insurance Fair Conduct Act (IFCA) claim, and also filing an insurance bad faith claim. Contact a Seattle, Bellevue, Tacoma insurance claims dispute attorney, insurance claim denied lawyer, bad faith claims attorney at Andrew Kim Law Firm, PLLC right away before they can hurt you further. We will aggressively pursue these claims for you.
See the Ten Worst Insurance Companies in America
Blog for Insurance Coverage Disputes & Bad Faith Claims
Library for Insurance Coverage Disputes & Bad Faith Claims:
- Understanding the Term “Medically Necessary” When Pursuing an Insurance Dispute
Insurance claims are often denied because treatment didn’t fall under a policy’s definition of “medically necessary.” Click here to learn why.
- The Insurance Adjuster’s Role in Your Auto Accident
When you’re involved in an accident, you will have to deal with an insurance adjuster. Knowing what this person does may help you understand the process.
- How You May Be Able to Tell If Your Insurance Adjuster Is Practicing Bad Faith
You get a bad feeling when you speak with your adjuster about your injury claim, and you suspect he may be up to something. Here’s what to do.
- The First Steps to Take After an Insurance Denial
You’ve just been informed that your insurance company wants to deny a claim. Do you know what you should do? Find out here!
- The Shocking Truth: Seattle Bad Faith Lawyer Reveals Why Bad Faith Exists
Bad faith insurance claims are becoming more and more prevalent. A Seattle bad faith lawyer discusses why bad faith exists.
- Three Ways to Fight Back If a Washington Insurance Company Is Unfair
Is a Washington insurance company being unfair and jeopardizing your just recovery? Learn how to fight back and protect your fair recovery.
- Seattle Bad Faith Insurance Lawyer: Don’t Stand for Payment Delays
A Seattle bad faith insurance attorney reviews a common insurance company trick: delaying decisions and payments for an unreasonable amount of time.
- A Seattle Insurance Claim Dispute Attorney Lists 13 Examples of Bad Faith Insurance
A Seattle bad faith insurance lawyer gives a number of illustrations and examples of valid insurance bad faith claims and disputes.
- How to file a complaint against the Washington State Office of the Insurance Commissioner
If you have complaints against your insurance company, our experienced Washington State insurance claim attorney can help.
- Six Common Examples Of Insurance Bad Faith
If your insurance company does not act as promised in your contract it could be breaking the law. Learn more about bad faith insurance from a Seattle Lawyer.
- Who Decides What Confusing Or Vaguely Written Insurance Policies Mean?
You probably have car insurance, life insurance, home insurance, flood insurance, etc. - but have you ever sat down to read and review your policies? Insurance policies can be dense, vague, and even confusing. Make sure you know what to do when determining the exact meaning of a segment of your policy.
- Recent bad faith Supreme Court of the State of Washington opinion "St. Paul Fire & Marine Ins. Co. v. Onvia, Inc."
The Court held that there is a cause of action for bad faith claims-handling in a third-party context, which is not dependent on whether the insurer has breached its duty to defend, settle, or indemnify. The Court further held that under the certified facts of this case, Coventry controls the question of harm and remedy; RMS must show actual harm and may recover only for its proven damages. Finally, we hold that the CPA recognizes a claim for violation of claims-handling regulations that does not depend on a finding of bad faith or the existence of a duty to settle, indemnify, or defend.
- Insurance Company Tricks of the Trade
How Insurance Companies Deny, Delay, Confuse and Refuse legitimate claims to maximize their bottom lines.
- The Ten Worst Insurance Companies in America
How insurance companies raise premiums, deny claims, and refuse insurance to those who need it most.
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- Press Releases
Description: Allstate Ranks as Worst Insurer for Consumers
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Description: U.S. Chamber Created Current Financial Crisis, New Report Says
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Description: Insurance Company Tactics Add to American's Financial Hardships
- Washington State Office of the Insurance Commissioner
Description: The Insurance Commissioner's Office has the responsibility of regulating the insurance business in Washington under authority granted by the insurance laws of this state.