How insurance companies raise premiums, deny legitimate claims, and refuse to provide insurance to those who need it the most.  Delay, deny, and defend are some of the tactics used by insurance companies to beef up their bottom lines of profit. Think you're in "Good Hands"?  Think again.

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.



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