Most Alabamians buy insurance to cover assets such as homes, cars, jewelry, etc. When you buy insurance, you expect the insurer to compensate you, depending on your policy for an item that is damaged, lost or stolen.

Insurance bad faith occurs when an individual insured has paid hundreds or thousands of dollars in insurance premiums, only to be wrongfully denied compensation when filing a fair and legitimate claim with an insurance carrier. This practice is known as "Insurance Bad Faith.”

The insurance fraud attorneys at Farris, Riley & Pitt encourage our clients to recognize that they do not have to accept dishonest behavior on the part of an insurance provider. Those who are wrongfully denied coverage or payment can work within our court system to compel insurance providers to honor the promises they make to policy holders.

Common signs of insurance bad faith include:

1. Insurance company delays, discounts or denies payments without a reasonable basis for its delay, discounting or denial.
2. Insurance company fails to acknowledge and to provide a timely response to a covered claim after the insured notifies the insurer.
   
3. Insurance company refuses liability and damages, and fails to pay a covered claim before completing a proper, prompt and thorough investigation of the claim.
4. Insurance company fails to confirm or deny coverage of a claim withint a reasonable time upon receipt of a claim or proof of loss.
5. Insurance company attempts to settle the claim for less than the declared value.
6. Insurance company attempts to settle claims on the basis of an application and/or policy that the insurer altered without notice, knowledge or consent of the policy holders.

Although several insurance companies seek and find ways to not pay, diminish, delay, disapprove and deny payment of claims; however, many other insurance companies look for and find ways to accept and pay claims properly and promptly. There are numerous reasons and examples of bad faith insurance claims.

Contact Us

If you think you have an insurance claim or if you feel you have been wrongfully denied an insurance claim, please contact the attorneys at Farris, Riley & Pitt today. Our insurance bad faith lawyers want to help you settle your insurance claim. Call us today at 205-324-1212 or toll free at 888-580-5176.