When dealing with insurance claims, it’s crucial for insurers to act fairly and in good faith toward claimants. Unfortunately, not all practices in the insurance industry are above board, which is why laws like WAC 284-30-330 exist to protect policyholders. This regulation outlines several specific unfair claims settlement practices that insurers should avoid. Let's break down the key points from this regulation to understand what constitutes an unfair practice.

What Are Unfair Claims Settlement Practices?

1. Misrepresentation: Insurers must be honest about policy terms and coverage.
2. Delays: Insurers should act promptly in acknowledging and investigating claims.
3. Proper Investigation: Claims must be thoroughly investigated before payment decisions.
4. Fair Settlements: Insurers must settle fairly when liability is clear and not pressure claimants into litigation.
5. Clear Payment: Payments must be accompanied by explanations of coverage.
6. Timeliness: Claims should be processed and paid promptly, typically within 15 business days.
7. Discrimination: Insurers can't discriminate against claimants with public adjusters.
8. Draft Payments: Settlements must be honored within three days.
9. Appraisals: Delaying or inflating appraisal costs is prohibited.

These standards ensure insurers treat claimants fairly, avoiding practices that could harm policyholders or delay rightful settlements.

What to do if Your Insurance Company Acts in Bad Faith?

If you believe that your insurance company acted in bad faith, we recommend that you consult with a qualified insurance lawyer. 

At GLP Attorneys, we have significant and deep experience helping injured people receive the settlements they deserve under their insurance policies. We have a proven track record of making insurance companies live up to the promises made in the insurance policy, and with decades of experience in handling insurance bad faith claims, we are here to help you.

If you have been involved in an Insurance Bad Faith incident, call practice leader Scott Shawver at 800.273.5005 for a free consultation.

Winter introduces a unique set of challenges for construction workers, making it crucial to take the necessary precautions to safeguard your safety and health. Occupational Safety and Health Administration (OSHA)  recommends the following winter safety tips for construction workers:

1. Know the Symptoms of Cold Stress

Cold stress can lead to hypothermia or frostbite. Symptoms include shivering, confusion, and numbness. Be aware of these signs and seek warmth immediately.

2. Monitor Your Condition and Your Coworkers

Watch for signs of cold stress in yourself and others, like fatigue or poor coordination. If someone shows symptoms, encourage them to take a break and warm up.

3. Dress for the Cold

Layer your clothing, starting with moisture-wicking fabrics, followed by insulation and a waterproof outer layer. Don’t forget warm gloves, hats, and boots.

4. Stay Dry

Wet clothes increase heat loss. Make sure to change out of wet clothes promptly, and keep extra clothing on hand in case you get soaked.

5. Drink Warm, Sweetened Fluids

Stay hydrated with warm drinks like tea or hot chocolate. Avoid alcohol, as it can increase heat loss and impair judgment.

7. Use PPE and Follow Safe Work Practices

Employers should provide necessary PPE, such as insulated gloves and boots, and set up sheltered work areas. Workers should take breaks, rotate tasks, and minimize exposure to extreme cold.

By following these tips, you can stay safe and comfortable throughout the winter. 

Speak to an Experienced Construction Injury Attorney Today

GLP Attorneys has decades of experience supporting those who have been injured on construction sites. Our team of over 39 lawyers are located across the Pacific Northwest and are available to help ensure that you receive the justice that you deserve as you recover.

If you or a loved one has been injured while working on a construction site, call practice leader Cydney Campbell Webster at 800.273.5005 for a free consultation.