How to Protect Yourself from Bad Faith Tactics
When you file an insurance claim, you expect your insurer to handle your case fairly and provide the compensation you’re entitled to. Unfortunately, some insurance companies engage in bad faith tactics to delay, deny, or underpay claims, leaving policyholders struggling to recover. Protecting yourself from these unethical practices is critical to ensuring your rights are upheld.
Gold, Khourey & Turak (GKT) has been a trusted advocate for individuals dealing with bad faith insurance practices in the Ohio Valley for more than 45 years. Our experienced attorneys are licensed in Ohio, West Virginia, and Pennsylvania. If you’re looking for honest advice, GKT is the honest choice.
Tips to Protect Yourself from Bad Faith Insurance Tactics
To protect yourself against bad faith practices, follow these actionable steps:
- Understand Your Policy
- Read your insurance policy carefully to understand what is covered, your rights, and your responsibilities.
- Pay special attention to policy exclusions, limits, and the claims process.
- Document Everything
- Keep detailed records of all interactions with your insurance company, including phone calls, emails, and letters.
- Note the names of representatives you speak with, the date and time of conversations, and what was discussed.
- Save copies of all correspondence, claim forms, receipts, and supporting documentation, such as photos of damages or medical bills.
- Respond Promptly
- Provide requested documentation or information in a timely manner to avoid giving the insurer an excuse to delay or deny your claim.
- Keep a record of when you submitted documents and any confirmations from the insurer.
- Be Wary of Quick Settlement Offers
- If your insurer offers a settlement early in the process, carefully review it to ensure it fairly compensates you for your losses.
- Make sure you know how much it will take to repair your property by obtaining estimates from reputable contractors or repair shops.
- Quick offers are often lowball settlements designed to minimize payouts.
- Avoid Making Recorded Statements Without Legal Advice
- Insurance adjusters may request a recorded statement about your claim. Be cautious, as your words could be used against you.
- Consult an attorney before providing a recorded statement.
- Track the Claims Process Timeline
- Insurance companies are required to process claims within a reasonable timeframe. If your claim is taking too long without explanation, it may be a sign of bad faith.
- Seek Professional Help Early
- If you suspect bad faith practices, consult an experienced attorney immediately. The earlier you seek help, the better your chances of holding the insurer accountable.
How Gold, Khourey & Turak Can Help
At GKT, we are committed to protecting policyholders from bad faith insurance tactics. When you work with us, you gain:
- Experienced Legal Representation: We have extensive experience handling bad faith claims and will work tirelessly to protect your rights.
- Thorough Investigations: We gather evidence to prove bad faith practices, including documentation of delays, denials, or lowball offers.
- Negotiation and Advocacy: We handle all communication with the insurer to secure a fair settlement and are prepared to take legal action if necessary.
- Compassionate Support: We understand how stressful bad faith practices can be and are here to guide you every step of the way.
Contact GKT Today
If you believe your insurance company is acting in bad faith, don’t wait to take action. Gold, Khourey & Turak is available 24/7 by phone at (304) 845-9750, chat with us live online, or through our online form.
Let us help you protect your rights and secure the compensation you deserve.
Let us stand by your side and hold insurers accountable for their actions.
Need help? Get help. Get GKT.
Michelle Marinacci joined Gold, Khourey & Turak in 2018 bringing with her 20 years of litigation experience, including prosecuting and defending civil litigation cases and assisting in case decisions at the West Virginia Supreme Court of Appeals.
