Even if your claim against the negligent driver is ironclad and you have strong proof of the seriousness of your injuries, his insurance company may not offer you a fair settlement that fully compensates you for your injuries. In addition, they may engage in bad faith insurance tactics to attempt to deny or reduce your claim.
Unfortunately, it is not only the negligent driver’s insurance company that may mistreat you this way. If you have to file a claim against your own insurance company, such as under an uninsured or underinsured motorist policy, they may try these tactics for the same reasons.
Watch Out for These Bad Faith Insurance Tactics in Georgia
Insurance companies have a duty to investigate, negotiate, and settle insurance claims fairly and in good faith. There may be a provision in your auto insurance policy that requires your insurance company to take certain other actions when you file a claim. Here are ways the insurance company may be not be acting in good faith.
Denying Your Claim for No Reason
If the insurance company denies your claim, they should give you are reason for their denial. Denying your claim for no reason or for an invalid one can be evidence of bad faith.
Not Conducting an Adequate Investigation
The insurance company has a duty to conduct a prompt and thorough investigation of your car accident and other aspects of your claim. For example, the claims adjuster cannot just take the negligent driver’s statement that he was not negligent as true without investigating further.
Delaying Payment of a Claim
Once a claim is settled, the insurance company should pay the claim within a reasonable period of time. However, they could unfairly delay making the payment in hopes that you will be worn down and accept less in your settlement.
Failing to Pay a Valid Claim
If the insurance company fails to pay your valid claim, this is another signal that you are not being treated fairly. Both the negligent driver’s and your insurance companies have duties under their policies to pay legitimate claims.
Making Threatening Statements
An insurance company should not threaten their insured or third parties filing a claim. If the insurance adjuster for the negligent driver or for your insurance company makes threatening statements to you, you should retain an experienced car accident attorney immediately.
Misrepresenting the Law or Insurance Policy
Some unscrupulous insurance adjusters will misstate the law or a person’s right under the auto insurance policy when trying to deny a claim or convince the victim to accept less than he is entitled to in settlement of his claim. You should be wary of what the adjuster tells you and should consult with a lawyer before agreeing to settle your claim to ensure that you receive what you truly deserve.
Do you need to file a claim following a car accident in Georgia or South Carolina that was not your fault? Attorney Chris Hudson understands the bad faith tactics the insurance company may employ in your case. He can protect your legal rights and fight for the compensation you deserve. To learn more, start an online chat to schedule a free consultation today.