After a car accident, you expect your insurance company to work with you to compensate you for the damages that resulted from the collision. After all, that’s what they’re for, right? Many people are surprised to find out that’s not always the case. It’s common for insurance companies to act in bad faith. What does that mean and what can you do about it?
Signs Your Car Insurance Company May Be Acting in Bad Faith After Your Car Accident
Car insurance companies are like any other business and their goal is to turn a profit. The objective of an insurance carrier is to reject claims whenever possible so they can protect the company’s bottom line. In doing so, they may act in bad faith. Here are some indications that your insurance company may be a bad faith actor.
1. Denial of Covered Claims
The easiest way for an insurance carrier to avoid paying a claim is to outright deny it. This can leave accident victims confused when their policies clearly state that the damages should be covered. The insurance company is hoping policyholders won’t call their bluff and appeal the denial because many people don’t.
2. Taking Too Long to Process Your Claim
Insurance companies have a legal obligation to process your accident claim in a timely manner. This is because there is a statute of limitations and after so long, you will no longer be able to make a claim for damages.
However, this may be the company’s very goal — to delay your case past the statute. If your case is taking a long time to process without good reason, this is a fairly solid indicator that the insurance company isn’t being honest.
3. Offering a Lowball Settlement
Typically, the initial settlement offer from an insurance adjuster is going to be low. However, if it is significantly less than what you expect given the evidence provided, this could indicate a bad-faith actor. Have an idea of what a fair settlement would be given your medical costs, lost wages, and other damages and attempt to negotiate a higher settlement by providing evidence.
Is Your Car Insurance Company Being Uncooperative After an Accident?
They may be acting in bad faith. Experienced car accident injury lawyers Zink & Lenzi can help. Call 530-895-1234 for a consultation to discuss the details of your case. We charge zero fees until we win your case.