Tampa Bad Faith Insurance Attorneys
It is not uncommon for insurers and their customers to disagree over whether a particular claim is covered or what the appropriate amount of benefits may be. These disputes can often be settled without having to go to court, although sometimes litigation is necessary. In some cases, however, the conduct of the insurance company in refusing to cover or pay a claim is so improper and unreasonable that it amounts to bad faith on the part of the insurance company. In those instances, the attorneys at MacKinnon Law Group, P.A. step in and step up for the rights of the insured. We make sure the insurance company treats you fairly and compensates you for any damages their unlawful and unreasonable behavior has caused.
Insurance Bad Faith Defined
Every contract for insurance comes with an implied covenant of good faith and fair dealing. When an insurance company violates this covenant by acting in bad faith, they can be sued for the actual damages caused, such as the payment of benefits under the policy, as well as other harm such as mental anguish and emotional distress. Attorneys’ fees and punitive damages may also be awarded in appropriate cases.
Some of the most common types of insurance bad faith include the following when done unreasonably or with bad motives to avoid paying a proper claim:
- Denial of coverage
- Only paying partial benefits
- Undue delay in processing a claim
- Offering an unreasonably low settlement amount
- Rescinding or canceling a policy to avoid paying a claim
- Refusing to defend the insured or accept a reasonable settlement demand
- Failing to properly investigate a claim
It is possible for an insurance company to be negligent or simply wrong in its decisionmaking without being in bad faith. Our lawyers know what type of conduct is customary in the insurance industry and look at both objective and subjective factors to determine whether an insurer is acting in bad faith. When a good faith dispute regarding coverage, liability or damages exists, we work to resolve the insurance dispute through settlement or litigation on breach of contract or other applicable legal theories.
Experienced Bad Faith Insurance Lawyers in Tampa
Like other businesses, insurance companies want to minimize their expenses and maximize their profits, but this does not relieve them of their obligation to pay valid claims and treat their customers fairly. If you believe an insurance company is not dealing with you justly, contact the MacKinnon Law Group, P.A. for a free consultation with a Tampa lawyer experienced in dealing with bad faith insurance claims.