What if an insurance company doesn’t do what it is supposed to do? Could you identify signs that your insurance company might be acting in bad faith? In this episode of Personal Injury 101: Insurance Bad Faith, Partner Scott Shawver discusses the critical role insurance plays in helping people recover after an injury, accident, or other unexpected loss. He explains what insurance bad faith means under the law and why policyholders should understand their rights when dealing with insurance companies.
Scott highlights common warning signs that an insurer may not be handling a claim fairly or fulfilling its obligations under the policy. He also explores how an attorney can help evaluate potential bad-faith conduct and advocate for fair treatment throughout the claims process.
At GLP Attorneys, we believe that access to benefits and support is an important part of the recovery process. Our team is committed to helping injured individuals and their families understand their rights and move forward with confidence.
Why is insurance important?
When you buy insurance, you're paying for peace of mind. It's supposed to be there to protect you, your family, and your property if something goes wrong. Like a car accident or a sudden injury. At its core, insurance is a promise. The insurance company promises that if you pay your premium on time in return, they will be there for you when you need them most.
Insurance is meant to provide support when you're recovering after a serious accident. Insurance should help you get back on your feet by covering treatments, therapies, or other needs. You shouldn't have to worry about how you'll pay your bills if you're hurt in a crash that wasn't your fault. Medical care, car repairs, or lost wages can add up fast. Insurance helps cover those unexpected costs.
What does it mean when an insurance company acts in bad faith?
When you file a claim, your insurance company has a legal duty to treat you fairly and honestly. This is called the duty of good faith and fair dealing. It's part of every insurance policy, even if it's not written in black and white. Insurance adjusters should view your claim fairly and objectively, and should look for ways to pay your claim, not just ways to deny or underpay your claim.
Bad faith happens when an insurance company does not treat you fairly or honestly. It could mean denying a valid claim, dragging out the process or not giving you the full amount you're owed. In short, it's when your insurer puts their profits ahead of your rights.
Why should I care about bad faith?
If your insurance company acts in bad faith, you're not only being treated unfairly, you might also be entitled to more than just your original claim amount. This could include additional financial compensation, attorneys fees and expert witness fees, exemplary damages, and emotional distress damages. Some of these violations may also break state consumer protection laws, giving you even more legal options.
What are some examples of bad faith by an insurance company?
In Washington state, some of the red flags to look out for are failing to properly investigate your claim. Denying a claim without giving a clear or fair reason. Misleading you about what your policy covers. Delaying payment for no good reason. Refusing to defend you or settle a claim when they should.
Do I need a lawyer to help me with my insurance claim?
Probably the main reason to contact a lawyer if you think you are not being treated fairly or honestly, is because our lawyers have a lot of experience and exposure to these types of claims, and can quickly tell if you can handle this on your own, or if you would benefit from hiring a lawyer. That is why it is crucial to speak with a lawyer who understands bad faith, and what insurance companies are required to do.
At GLP Attorneys, we're licensed in Washington, Oregon and Idaho, and we know how to protect your rights wherever your case is.
What should I do if I think my insurance company is acting in bad faith?
You don't have to deal with this alone. Insurance companies know how to protect their bottom line, and they do it every day. If you think your insurer isn't being fair or honest, talk to a lawyer you trust.
Speak to an Experienced Insurance Bad Faith Lawyer Today
At GLP Attorneys, we understand how frustrating and overwhelming it can be when an insurance company fails to honor the promises made in your policy. With decades of experience handling insurance bad faith claims and a proven track record of holding insurers accountable, we are here to support you every step of the way.
If you believe your insurance company has acted unfairly or denied your claim in bad faith, we are here to help. Call (800) 273-5005 or email our attorneys at for a free consultation.
