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Insurance companies have a contractual “good faith” obligation not to cause harm to its insured and to pay legitimate claims. Acting in bad faith by denying benefits allowed under the contract is illegal. States have similar laws prohibiting insurance companies acting in bad faith.
Bad faith insurance tactics include an insurer refusing to pay all or part of their obligation for no reason other than hoping the insured will feel helpless and frustrated and just go away.
If you believe your insurance company in bad faith denied any or all the benefits you are entitled to under your policy, you may have cause for legal action.
All insurance companies have well staffed legal departments well versed in insurance law. If you decide to fight without an experienced insurance litigation attorney working for you, chances you may not prevail.
The best way to protect your rights under the insurance contract is to hire an attorney experienced in insurance and contract law.
If you sue your insurance company, it is up to you to prove your contention that the insurer intentionally acted in bad faith.
To prove your case, your attorney can:
Your attorney also will make sure your lawsuit it filed with the court promptly. If the statute of limitations runs out, then under the law you have forever waived your right to take legal action in that particular matter.