We would like to think that when we file an insurance claim our insurance company will be fair and honest in dealing with us. We would like to think that our claim, if it is valid, will be paid in full and in a timely fashion. Unfortunately, this is not always the case. Insurance companies make money by writing as many insurance policies as possible, while often times denying disputing or underpaying claims. As personal injury lawyers in Tampa, we have seen countless cases where an insurance company has denied a valid claim, has delayed payment on a claim, or has offered a settlement amount that is far too low for the injuries or damage the victim has suffered.

Have your insurance claims been denied?

If you are currently considering a personal injury claim or have already filed a claim and are having problems an attorney at the Law Offices of Keith Ligori may be able to help you.You deserve the best representation and therefore the greatest opportunity of maximum compensation for your personal injury claim, whether it involves a car accident, motorcycle accident, medical malpractice, dog bite or slip and fall accident. Let a Tampa personal injury attorney at our firm review your case and determine how we can assist you in dealing with the insurance company. If we cannot secure a settlement out of court, we can take your case to civil court to seek payment of your insurance claim in that way.

It can be extremely difficult to force insurance companies to cover a legitimate claim. The Tampa personal injury attorneys at our firm are not intimidated. Our skilled lawyers and legal team are here to provide you with the aggressive representation you need to deal with a large insurance company and seek the financial compensation you deserve. We represent clients throughout all of Hillsborough County and the surrounding areas from our offices in Tampa.

Bad Faith

The term bad faith refers to unreasonable or unfair conduct by an insurance company. An insurance policy is considered a contract between you (the insured) and the insurance carrier (the insurer). Bad faith occurs when an insurer wrongfully denied the insured. Your contract requires that your insurer acts in “good faith” toward you. Thus, when an insurer unreasonably withholds the benefits of the policy from its insured, it’s considered to be in bad faith. These situations often require the help of experienced personal injury attorneys.

Examples of Bad Faith

Failing to promptly and thoroughly investigate a claim.
Unreasonable interpretation in translating policy language.
Refusing to settle the case or reimburse you for the entirety of your loss.
Unreasonable denial of benefits to a claim or termination of an insurance claim that should have been paid.
Unreasonable delay in making payments to the policyholder.
Unreasonable failure to defend a policyholder who has been sued under a policy containing a liability provision.
Unreasonable attempts to under-settle or lowball the payment of a claim.

Why do insurance companies commit Bad Faith?

Often times insurance companies have a self-interest not to pay claims, as it saves them money. Companies receive thousands of claims daily and wrongfully deny many of them. Since very few people actually dispute their claim, insurance companies save millions of dollars. In an insurance company refuses to pay your claim, denies payment or offers an insufficient amount, it would be wise to consult a Tampa personal injury attorney to enforce the insurance company’s obligations. You should never have to represent yourself alone against an insurance company or accept an unfair settlement offer.

How do I know if I have a Bad Faith insurance claim?

Whenever you purchase an insurance policy, you are entitled to the full benefits of the policy if you have a covered claim. If the insurance company refuses to pay, or if it delays your payment, you may have a bad faith insurance claim.

When you purchase an insurance policy, whether for life insurance, disability insurance, homeowners insurance or any other type of policy, you are entitled to the full benefits of the policy if you have a covered claim. If the insurance company refuses to pay or if it delays your payment, you may have a bad faith insurance claim.

What if my insurance company continues to deny my claim and commits Bad Faith?

Insurance policies can be confusing and filled with loopholes that can keep you for getting all the benefits you are due. If you are having problems collecting benefits you feel entitled to, bring your policy and documentation to an insurance dispute lawyer at Ligori & Sanders, Attorneys at Law for a free consultation. After reviewing your documents, we will be able to determine whether or not coverage applies for your loss, and whether or not the insurer has committed bad faith.

What if my insurance company gives me a low offer?

Offering a settlement that is lower than reasonable could be a case for bad faith. Insurance companies have an obligation to deal with their insured in a reasonable, fair manner. “Low-balling”, as it’s typically referred to is a form of bad faith.

Contact a Tampa personal injury lawyer at our firm today for your free case evaluation. 813.254.7119