You need serious help when it comes to fighting an insurance company. Call us when your insurance company breaches their contract and fails to cover the costs that you should be owed on a settlement.
When an insurance company does breach a contract, they may be liable for extra-contractual damages. Washington Law Center will take your case and file a bad faith insurance lawsuit. This can happen with a range of policies, but is not limited to: homeowner’s insurance, automotive insurance, business insurance, health insurance (HMOs), and disability insurance.
The experienced Seattle attorneys and Tacoma 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. Many people assume that your insurance company has your best interest when often, they do not. It is their obligation to fulfill your policy to the letter. Unfortunately, this isn’t always the case. Put our team to work for you in suing your insurance company for denying a 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 Washington Law Center help you stand up to your insurance company. We offer a free consultation and if you don’t win, you won’t owe us anything!
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 interest. 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.
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 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 a particularly egregious manner.
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:
These claims can be brought as a common law bad faith insurance claim or a statutory claim under the Insurance Fair Conduct Act (IFCA). Damages for bad faith by an insurance carrier might include some or all of the following: