Bad Faith Insurance Attorneys
We fight for you when an insurance company fails to live up to their contractual obligations. It happens unexpectedly, and when it does you need experienced bad faith insurance attorneys in your corner.
How A Bad Faith Insurance Attorney Help
When an insurance company breaches a contract, they may be liable for extra-contractual damages. Washington Law Center is experienced in litigating bad faith insurance claims and can help you seek justice.
Bad faith claims happen with a wide array of insurance policies, but is not limited to: homeowner’s insurance, automotive insurance, business insurance, health insurance (HMOs), and disability insurance.
The bad faith attorneys of Washington Law Center understand the difficulty that you will face when fighting with an insurance company. Policyholders go through exhaustive hardships when insurance companies deny, delay, and under-estimate policy carrier’s claims. We make you more powerful, let us help you with your claim.
“Is The Insurance Company’s Offer Fair?”
Many people assume that your insurance company has your best interest and oftentimes, they do not. It is their obligation to fulfill your policy to the letter.
Unfortunately, this isn’t always the case, so put our experienced legal team to work for you in suing your insurance company for denying a claim.
How Do You Start A Bad Faith Insurance Claim?
The first step for our team of bad faith insurance attorneys is to analyze your policy limits, terms, exclusions and restrictions so that we can understand your coverage.
Then, we carefully evaluate the underwriting process to look for any unfair practices or misconduct that would result in a breach of contract with your loss.
Let the experienced bad faith insurance attorneys at Washington Law Center help you stand up to your insurance company. We offer a free case consultation and a “No-Fee Promise” with all our injury cases!
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Bad Faith Insurance Attorney FAQs
What Constitutes A Bad Faith Insurance Claim in Washington?
Washington insurance companies act in a fiduciary capacity toward their policyholders. This fiduciary obligation means that insurance companies must give at least as much consideration to the interests of their policyholders as to their own.
Insurance companies cannot deny claims for illegitimate reasons. They also must conduct a reasonable investigation of all claims, inform policyholders of coverage decisions in a timely fashion and pay the actual value of claims.
What’s The Difference Between Insurance Bad Faith and Breach of Contract?
There is a difference between an ordinary breach of contract claim for failure to perform under an insurance policy and a bad faith claim. While a cause of action for breach of contract is brought to obtain contract damages, such as the value of benefits under the policy, bad faith can be a tort claim that permits an insured party to obtain damages beyond the value of the insurance claim.
Amounts owed for a particular claim will be a fixed amount based on the nature of an insured’s loss, such as the cost of repair or replacement. However, bad faith insurance claims punish insurance carriers for treating a policyholder in an unfair manner.
What Are Examples of Insurance Bad Faith Cases?
There are literally hundreds of forms of conduct that might constitute an insurance bad faith case.
Some common examples of bad faith practices include the following:
- Failure to investigate or adjust a claim in a timely fashion
- Refusal to accept a reasonable settlement within policy limits
- Refusal to negotiate in good faith
- Failure to defend an insured under a liability policy
- Inadequate claims investigation
- Unreasonable delay in adjusting or paying a claim
- Lowballing a claim
- Unreasonable denial of coverage
- Demanding a policyholder furnish excessive or unreasonable documentation or information
These examples can be brought on as common law bad faith insurance claims or statutory claims under the Insurance Fair Conduct Act (IFCA).
What Damages Can Be Claimed in Bad Faith Insurance Claims?
Damages for bad faith by an insurance carrier might include some or all of the following:
- The value of your claim
- Attorney fees and costs
- Consequential damages (e.g. emotional distress)
- Punitive damages (potentially equal to triple the amount of the award)
No Fee Until You Win
Case Results From Bad Faith Insurance Claims
$800,000 – Alleged Bad Faith Against Insurance Company (2016)
Conﬁdential settlement for an individual alleging bad faith against their insurance company. Total recovery for client exceeded $1 million.
$450,000 – Bad Faith Claims Against Own Insurance Company (2014)
Settlement for a client asserting bad faith, Consumer Protection Act (CPA) and Insurance Fair Conduct Act (IFCA), claims against their own insurance company.
OVER $100 MILLION AWARDED TO OUR CLIENTS BY VERDICT, SETTLEMENT, INJURY PENSION OR JUDGMENT