The laws surrounding uninsured/underinsured motorist coverage can be tricky. Did you know that you may be entitled to damages even if you were hit by a driver that carries no or very little insurance? If you have purchased uninsured/underinsured coverage on your automobile policy you can seek damages from your own insurance company and they can’t raise you rates.
- Michael Nimmo
The American Association of Justice published a fascinating article entitled “Deny, Delay, Confuse and Refuse” regarding the improper denial of claims. You can view the full version of the report at www.justice.org/insurance.
Tactics included simple delay with the hopes that the injured party will lose key witnesses, allowing the statute of limitations to run and even denying claims they know are perfectly valid. There are examples of health insurance companies that have acted in bad faith for refusing to pay for medical conditions that are obviously covered by the policy. Insurance carriers owe a duty of good faith and fair dealing to their insureds to pay legitimate medical expenses pursuant to the policy and you may be entitled to all attorneys’ fees for successfully pursuing a bad faith claim against an insurance company.
- Steve Wahlberg