Has an insurance company denied your claim without a valid reason in Montgomery, Alabama? If so, contact Belt, Bruner & Barnett Personal Injury Lawyers at (334) 518-6098 for a free consultation. A Montgomery bad faith insurance lawyer can help you recover the amount of your original claim plus compensation for additional damages.
Our team has 93 years of combined experience helping accident and injury victims get the justice they deserve. We have recovered hundreds of millions of dollars in compensation for victims just like you.
How Can Belt, Bruner & Barnett Personal Injury Lawyers Help With Your Bad Faith Insurance Claim in Montgomery, AL?
If the insurance company denies your claim in Montgomery, AL, you may feel helpless and overwhelmed. Their actions can cause serious financial consequences, and the stress can be significant, too.
However, holding them accountable may be challenging. Thankfully, you do not have to go through this situation alone. The team at Belt, Bruner & Barnett Personal Injury Lawyers is here to help.
Our experienced Montgomery bad faith insurance attorneys can help you by:
- Reviewing all the details of your original claim
- Performing a thorough review of your insurance policy and other contract documents
- Gathering evidence to prove the insurance company’s behavior
- Handling all communications with the adjuster and opposing counsel
- Interviewing witnesses or employees who can help prove a pattern of behavior
- Putting an accurate value on your claim
- Negotiating a top-dollar settlement that fairly compensates you for your losses
If you suspect the insurance company is acting in bad faith when it comes to your claim, contact us today to schedule a free consultation with a Montgomery personal injury lawyer to get started.
Overview of Bad Faith Insurance
When you buy insurance, you enter into a contract with the insurance company. You agree to pay them regular premiums, and, in exchange, they agree to pay you for any covered losses as long as your policy is in effect.
Part of this contract includes an implied duty to act in good faith. This means that the insurance company must reasonably investigate your claim prior to making a coverage decision.
What Are Common Types of Bad Faith Claims?
When they fail to uphold this duty of good faith, you may be able to hold them accountable.
Some common actions that may be considered bad faith include:
- Intentionally delaying the processing of your claim
- Denying your claim without an investigation or without a valid reason
- Ignoring your communications or failing to respond in a timely manner
- Changing the terms of your coverage after a claim has been submitted
- Intentionally misrepresenting the details of your coverage
- Failing to pay your claim in a timely manner once it has been resolved
- Offering you an absurdly low amount to settle your claim
When the insurance company engages in these types of practices, victims like you are the ones who suffer.
What Kinds of Damages Are Available to Bad Faith Insurance Victims in Montgomery, AL?
If you’ve suffered from an insurance company’s bad faith actions, you are entitled to recover both economic and non-economic damages in these cases. This means that you can recover the amount of your original, valid claim plus additional financial losses.
Some common examples include:
- Late fees
- Interest payments
- Penalties
- Damage to credit score
While your financial losses can be significant, the emotional and psychological toll that this type of behavior can take on a victim can be devastating.
You can also recover compensation for these types of damages, such as:
- Emotional distress
- Mental anguish
- Depression
- Anxiety
- Loss of enjoyment of life
- Damage to reputation
Bad faith insurance cases may also include punitive damages in some cases. However, these damages are reserved for cases involving only the most egregious conduct.
An experienced attorney can help you determine all the damages that may be available in your case. The specific damages available and the value of your case will depend upon the specific facts of your situation.
How Long Do I Have to File a Lawsuit For Bad Faith Insurance Practices in Alabama?
You generally have two years to file a lawsuit for bad faith insurance practices. The clock starts to run either on the date the bad faith occurred or the date on which you discovered or should have discovered the bad faith.
Missing the deadline may completely bar you from recovering any compensation for your damages. Since these rules can get somewhat complex, you should always get help from an experienced lawyer as soon as possible to help with your claim.
Contact Our Montgomery Bad Faith Insurance Lawyers for a Free Consultation
If you have been the victim of bad faith insurance practices, contact the experienced team at Belt, Bruner & Barnett Personal Injury Lawyers today. Let us help you hold the insurance company accountable for its wrongful and unfair behavior.
We can help you build a case to prove the insurance company’s liability and maximize your financial recovery. Contact us today to schedule your free consultation with a Montgomery bad faith insurance attorney.