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Any insurance company will take any steps they can to protect their own interests, but they’re also required to negotiate in good faith and pay for valid claims. Unfortunately, many insurers routinely make insufficient settlements or reject claims outright in an effort to reduce costs, despite evidence that they are liable for your personal injuries. When they fail to fulfill their obligations, your attorney may be able to pursue additional damages on your behalf.

What Is Insurance Bad Faith?

Every insurance policy is essentially a contract, in which the insurer agrees to cover certain losses as long as the insured party pays their premiums and meet any other obligations. While some amount of negotiation is normal, especially in serious personal injury claims, insurance companies who use the process to avoid paying valid claims are actually in breach of contract.

personal injuryThe line between aggressive negotiation and bad faith can be extremely blurry, and not every insurance dispute rises to the level of bad faith, but some situations represent clear instances of insurers treating accident victims unfairly. Some more common examples of insurance companies acting in bad faith include denying a valid claim despite clear evidence that their client is responsible for damages, and claiming they were unable to collect evidence that is freely available. Insurers may also engage in unnecessary delay tactics, in the hopes you will simply abandon your claim out of exhaustion.

In many states, accident victims who have been treated unfairly by insurance companies are eligible to file for additional damages, on top of those suffered in the initial accident. However, proving that an insurer has acted in bad faith is often difficult, typically requiring the expertise of an experienced attorney.


 

The personal injury attorneys at Gregory S. Young Co., LPA have been serving accident victims throughout Ohio and Kentucky since 1958, building a reputation as strong advocates for the people, not the powerful. With thirteen locations throughout the greater Cincinnati area and 24/7 availability for personal injury cases, they are fully committed to providing you with the dedicated legal attention you deserve. Visit their website to see how they can help when insurers refuse to act in good faith, call (513) 721-1077 to schedule your initial consultation, and follow their Facebook for more legal tips and updates.

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