Protecting Your Rights With Phoenix Insurance Bad Faith Lawyers
Ilya Law understands that often engaging with insurance firms may be likened to walking through a jungle. Or, even worse, when an insurer acts bad, the consequences may be even worse to one’s peace of mind.
Our experienced Phoenix Insurance Bad Faith Lawyers are here to fight for you. Advocates’ treatment in your case as well as is universal in Phoenix.
What is Insurance Bad Faith?
Insurance bad faith situations pinpoint any instances of unprofessional conduct by the insurer towards a policyholder, acts that are not authorized by the insurance contract and applying a standard that is unfair, deceptive or arbitrary towards the policyholders. Violation of this duty comes in various forms including:
Claims Handling Abuse:
When an insurance provider mishandles the policy after making the payments and defaults on the agreed compensation, or does not deal with a reasonable valid claim.
Claim Delay:
Involves transferring or holding a claim for payment or further actions even if the claim fulfills the requirements, adverse effects ensue especially financial and emotional burdens.
Low Offer or Part Payment:
This happens usually when an insurance underwrites succinctly sums of money instead of appropriate amounts that are required under policy terms.
Soft Investigation:
This occurs when the insurance provider’s investigation in a case is shallow and partial resulting in a claim being too little or not at all compensated.
False Statement:
When the provider misleads the insured about the scope of coverage or the steps to be taken for reimbursement.
Bad Faith:
When the insurer utilizes measures against the policy that act to reduce unreasonable or unauthorized attempts to pay bills such as bad faith initiation or wrongful settlement offers.
At Ilya Law, we understand that insurers must be held liable for their bad faith conduct and your rights must be respected. That is why our established Phoenix Insurance Bad Faith Lawyers will always advocate for your best interests and help you obtain the recompense that you deserve.
Types Of Insurance Bad Faith Cases
The best Phoenix Insurance bad faith lawyers, has extensively covered most insurance bad faith cases, more specifically:
Car Insurance Bad Faith
In cases of wrongfully denying or traumatizing any auto insurance claims, our lawyers are able to assist in recuperating the situation.
We have also handled matters concerning denied collision claims, uninsured and underinsured motorist coverage, and other facets of some auto insurance companies' bad faith.
Homeowners Insurance Bad Faith
Having your homeowners policy claim denied or unnecessarily prolonging the approval of the claim, has far reaching effects on your property and even your financial health.
Several cases in regards to denied homeowners policy coverage for property damages or violation of policy limits and other homeowners insurance bad faith issues are able to be tackled by the team.
Health Insurance Bad Faith
If you have had experiences when your health insurance corporation behaved in bad faith by refusing to approve essential medical procedures or did not pay covered expenses, we can assist you in pursuing that as well.
We take cases of wrongful insurance claims, medical claim denials, disputes over coverage issues and other health insurance bad faith practices.
Life Insurance Bad Faith
The family suffers significantly when the insurance companies unduly refuse or delay the payment of insurance claim proceeds pertaining to a life insurance policy.
Our lawyers have handled life insurance bad faith claim cases pertaining to life insurance claim denials, policy terms misrepresentation and many more.
Disability Insurance Bad Faith
Should your disability insurance claim be unfairly rejected or if any further disputation concerning the claim arises, do not hesitate to contact our legal team for assistance.
We also take cases involving unjust denials of long term & short term disability claims, disputes of policy coverage and other issues relating to disability insurance bad faith.
What Can I Claim in a Bad Faith Case?
In case you succeed in a bad faith case, there are different types of damages that can be compensated including:
Actual Damages:
Reimbursement of any incurred economic loss caused by the insurer’s bad faith being denial or unreasonable delay of the claims.
This encompasses any expenses incurred and handed losses incurred due to the breaches of the other party in the agreement.
The objective is to put you back to the damages that you would have been if the insurer had acted honestly
Punitive Damages:
For now, there are some instances when punitive damages may be ordered where a court feels that it is justified to do so as a way of punishing an insurance company for wrongful behavior and deterring that type of behavior in the future.
These damages are sought as a remedy for the insurance company’s willful and reckless wrongdoings and not on the basis for restitution, but to indicate that such misconduct is intolerable.
Punitive damages are described as words of action taken on an offender without addressing the causes thereafter.
Emotional Distress:
Compensating victims for the feeling, mental and emotional trauma caused by the wrongdoing of the insurer.
This may include a person’s psychological effects such as anxiety, stress, and even emotional suffering as a result of the actions taken by the insurer.
Such claims recognize the pain that your family's insurer has caused to you non-economically, and also seek to ease the pain inflicted on you and your family by the long-standing situation.
Attorney’s Fees and Legal Costs:
This is how we usually charge you and in those instances when a claim is made, it is possible to recoup the sum spent on litigation as well as other costs associated with work done on the claim.
This involves, amongst others, attorney fee, litigation cost, and any other cost you incurred in relation to the insurer’s unprofessional conduct.
The intention of recovering these expenses, in this case, is to allow you not to be out of pocket due to the costs that are related to dealing with the health of the insurer.
Our Process for Bad Faith Cases
First Appointment
The first step in resolving your issue with insurance bad faith is to arrange an initial appointment with any of our dedicated Phoenix Insurance Bad Faith Lawyers.
There is a possibility that this consultation will help us understand all the specifics of your case as well as your worries and chances of winning.
We will also clarify your legal options and advice on to whom it is better to address.
Case Evaluation and Investigation
As soon as you accept our engagement offer, we will begin a full-scale investigation of your case.
This means that we will be obtaining and checking any pertinent paperwork such as documents related to your insurance policy, insurance claim forms, or materials addressed to the insurer.
Our team will also interview witnesses, engage experts where necessary, and analyze the way in which the company’s insurers behaved to be able to mount a credible case.
Demand Letter and Negotiations
In ready cases such as complex roadway construction, if our investigation turns out that there is evidence of bad faith, we will draft a demand letter that will be sent to the insurance company.
This letter ensures that the details of the claim are properly stated, supported with the evidence of bad faith and indicating the amounts for damages being sought.
Then we will initiate negotiations with the insurer on how much should be paid in order to settle the matter On the Basis of No-Fault.
We have no urge to bring any litigation on behalf of our client save for instances where negotiation fails.
Litigation and Trial
In the event of a deadlock in negotiations and a satisfactory outcome is not acceptable then we shall proceed to file a suit against the relevant insurance company.
The attorneys appointed by us will be responsible for proving the case through litigation that includes preparing legal documents, oral arguments in trial and submitting evidence for the case.
Protecting your interests is our honor and persuasive presentation of your case to a judge or jury will be engineered by our very capable team.
Settlement or Verdict
Within these stages, either a settlement agreement between the parties or a trial verdict would bring the litigation to its conclusion. Ours will strive to obtain the best possible outcome for you.
Any settlement proposal will be examined in detail, the options presented explained and negotiations attempted to ensure fair resolution.
If at all your case proceeds to trial, we shall continue to offer satisfaction representation with the hope of winning the case.
Contact Ilya Law Today
At Ilya Law, our passion is to represent our clients professionally in bad faith insurance actions. Our Phoenix Insurance Bad Faith Attorneys ensure that you are taken care of from the very first meeting till your case is resolved.
When it comes to ensuring that you receive justice for the wrongs perpetrated by your insurance company, Ilya Law is the firm that you can count on.
Contact us today in order to book an appointment and begin to take steps in making the insurance company more responsible for what it has done.