An insurance policy is a legally binding contract. If you’ve paid your premiums faithfully, you’re entitled to receive the benefits you were promised. If your insurance company commits a bad faith refusal to honor your policy, it has not only breached your contract, it has committed a tort — a civil injury — against you.
If you suspect bad faith from the way your insurer responded to your claim, Hobbs Law Group can help. We litigate cases of long- and short-term care denials, life insurance denials, theft claim denials and more. You may be entitled to receive the amount of your claim, plus monetary damages for mental anguish and punitive damages against the company.
Bad faith isn’t simply a denial of your claim. Bad faith is action taken with a willful disregard for your rights, and it’s illegal. You may suspect bad faith when an insurance company:
Because our economy relies so heavily on insurance in order to run smoothly, our civil law has additional punishments for companies that operate in bad faith. A successful bad faith action against an insurer compensates you for your claim, plus the stress and anxiety caused by the bad faith denial. Finally, there are punitive damages — a monetary award to you meant to punish and discourage this type of behavior in the future. Punitive damages can be as much as three times the value of your claim.
If you think your insurer may have engaged in bad faith with regards to your insurance claim, contact Hobbs Law Group at 626-782-4520 or contact us online for free consultation.