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When Insurance Companies Act in Bad Faith

When your insurance company fails to meet its duty to its policyholder, you may need to file a bad faith insurance claim.

Insurance policies are meant to protect us in the case of catastrophic and life-changing events. Whether an insurance policy covers unforeseen circumstances regarding an automobile, a house, or even our lives, we pay for policies knowing we’ll have coverage in our most complex and challenging times.

When your insurance company refuses to pay out on a valid claim, they are acting in what’s called “bad faith.” In such circumstances, you will need experienced bad faith claims lawyers to help you receive the compensation you and your family deserve.

The Pennsylvania bad faith insurance lawyers at Munley Law represent those whose insurance companies failed to provide the coverage specified in their insurance policies. If you believe your insurance company has acted in bad faith towards your personal injury claim, our insurance bad faith attorneys are ready to fight for you today. Our services will not cost you a penny unless we recover for you what you deserve. Call (855) 866-5529 or use our online form to speak to our experienced staff right now.

Bad Faith Claims Lawyer Will Help Get Compensation You Deserve

The bad faith insurance claims attorneys at Munley Law can help when your insurance claim is wrongfully denied. We have helped many people obtain maximum compensation from their insurance companies.

Insurance companies are supposed to be there for your peace of mind. Whether you are involved in an automobile accident, a house fire, a burglary, or something else, insurance policies are meant to protect you, your family, and your belongings. In many cases, such as with home and auto insurance, consumers are required by law to carry insurance.

When your insurance company refuses to pay out on a valid claim, you need a team of experienced attorneys who understand the insurance business. At Munley Law, our bad faith claims attorneys are well-versed in the tactics used by insurance companies to force you to settle for less than what you deserve. We have over 60 years of experience helping clients fight large insurance companies in bad faith claims, bringing you the compensation you deserve.

At Munley Law, we won’t charge a fee unless we win your case. To date, we have won more than $1 billion in settlements and verdicts.

Determining Bad Faith Insurance Claims

When your insurance company refuses to pay, you may need a bad faith insurance lawyer.

When a catastrophic event occurs, such as a car accident, house fire, or even untimely death, we expect that our insurance companies to follow through on their contractual obligations to pay. Insurance bad faith happens when the insurance company doesn’t hold up their end of the bargain, either by not paying, delaying payment, or paying less than the policy’s full amount.

If you are unsure if your insurance company is acting in bad faith, contact our team of bad faith claim attorneys today for a free consultation. You may not only be owed the money from your policy claim, but additional compensation as well, including for any money you had to pay because your claim was denied, for emotional distress, and for interest on your claim.

Know Your Rights as Insurance Policyholder

According to the Insurance Information Institute, state laws regulate insurance companies, guaranteeing that they are licensed, remain solvent and that their rates remain regulated.

In addition, insurance companies have several duties they must uphold to their policyholders l. Failure to uphold these duties may be considered acts of bad faith.

  • Duty To Investigate – One of the primary duties of an insurance company is to investigate your claim and offer a monetary valuation. When your insurance company delays or refuses to investigate, they are acting in bad faith.
  • Duty To Uphold the Policy – An insurance company is acting in bad faith if they do not uphold your policy or payout your claim as listed in your policy.
  • Duty To Defend – Your insurance company may have a responsibility to defend you or provide legal representation against third parties and even to pay out judgments.
  • Duty Of Good Faith – Your insurance company may not act in bad faith. Such a duty is implicit in all insurance policies.

If your insurance company fails in its “duty to policyholders” in any way, contact the attorneys at Munley Law. We know how to bring you the compensation you deserve. And we don’t take a penny unless you win your case.

What Constitutes a Bad Faith Insurance Claim

How can someone tell if an insurer’s conduct is unreasonable and the company acts in bad faith? There are some telltale signs in many cases, and a bad faith claims lawyer can walk you through them. However, the following examples may help you better identify bad faith insurance:

  • Unreasonable Delays – If you are in an automobile accident and submit a claim to your insurance provider, you have the right to hear back from them within a reasonable timeframe, usually between 15 and 60 days. If an unreasonable amount of time has gone by, you should contact a bad faith claims lawyer.
  • Failure to Complete an Investigation – If your insurance company fails to complete a fair and accurate investigation, you may need a bad faith claims attorney.
  • Deception – When you file a claim with your insurance company, your insurer has a duty to inform you of all of the proper deadlines as well as the appropriate paperwork that needs to be filed. Should your insurer fail to do so, you should contact an attorney immediately.

There are many other examples of denial of coverage. A bad faith claims attorney at Munley Law can help you gain the compensation you deserve. Contact Munley Law today for a free consultation.

How to Prove Insurers Acted in Bad Faith

A bad faith claims lawyer can negotiate with your insurance company and bring you the money you deserve.

When your insurance company acts in bad faith, you have two choices. You can accept the denial of your claim or you can contact an attorney. At Munley Law, our team of experienced bad faith claims lawyers can help you get the compensation you deserve.

When you file an insurance company lawsuit, you may be eligible for several different types of compensation, depending on your bad faith insurance claim. The bad faith claims attorneys at Munley Law can help you receive the compensation you deserve, which may include:

  • The original claim under your policy
  • Interest on the claim
  • Punitive damages in cases where the bad faith act was especially egregious
  • Court costs and attorney fees

In Pennsylvania, there is no requirement of malicious intent. Unfortunately, bad faith insurance is not clearly defined under Pennsylvania law however, the Supreme Court has established a two-pronged test to determine an act of bad faith: It must be proven through clear and convincing evidence that the insurer did not have a reasonable basis for denying benefits and that the insurer knew or disregarded its lack of reasonable basis in denying the claim.

If you believe that your insurance company acted in bad faith, Munley Law can help. Whether you face a coverage denial, deceptive practices, failure to investigate, or other bad faith acts, you need a bad faith claims attorney to fight for you. At Munley Law, our experienced attorneys know how to win insurance company lawsuits. Call today for a free consultation. We don’t receive a penny unless you win your case.

Frequently Asked Questions About Bad Faith Insurance Claims

We understand that you may have many questions about your current situation. Following is a list of the most frequently asked questions regarding bad faith insurance claims. Contact us toll-free at (855) 866-5529 for a free consultation.

Q: What can I do to protect myself from bad faith claims?

A: Your best course of action is to document everything. Make a list of every conversation with your insurer and what you discussed. Keep all written and email correspondence.

Q: Why should I hire an attorney for my bad faith insurance claim?

A: It’s always best to have an experienced attorney on your side. At Munley Law, we can help you navigate the legal complexities involved in insurance company lawsuits.

Q: When an act of bad faith on the part of your insurer keeps you from moving forward, you need a bad faith claims lawyer who can fight for you. Contact Munley Law today for a free consultation.

A: When you’re the victim of an act of bad faith on the part of your insurer, you need a bad faith claims lawyer who can fight to bring you the compensation you deserve.

For more than 60 years, Munley Law has been the go-to firm for injured workers and their families. The bad faith claim attorneys at Munley Law are recognized nationwide as the best at what they do. Our firm wins big while keeping our focus completely on you. Find us in Wilkes-Barre, Scranton or other locations.

At Munley Law, we believe that cost should not stand in the way of justice for the injured. Therefore, we do not collect a fee for our services unless we recover benefits for you.

$32 Million Wrongful Death

$26 Million Truck Accident

$17.5 Million Car Accident

$12 Million Product Liability

$8 Million Truck Accident

$8 Million Truck Accident/Wrongful Death

$7.5 Million Auto Accident

$6.9 Million Garbage Truck Crash

$6.5 Million Traumatic Brain Injury

$5 Million Medical Malpractice

$5 Million Bus Accident

$4.7 Million Truck Accident

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