Claim Denied by Farmers Insurance
Idaho Personal Injury Lawyers Serving Clients with Denied Farmers Insurance Claims
When you pay your insurance premiums on time, you should be able to expect that your insurance company will provide you with adequate and fair compensation in the event of an accident. However, insurance companies often deny claims for a wide variety of reasons. In some circumstances, Farmers insurance will deny a claim because of a mistake in the process of filing the claim. Filing a claim is complicated, and even a small error can result in a claim denial. As such, it is extremely important to work with a Farmers insurance attorney in Idaho from the beginning of your claim until you obtain just compensation for your losses.
In other circumstances, however, claims can be denied in bad faith. In other words, you may have filed everything properly and taken all of the necessary steps throughout the claims process, but the insurer unlawfully denied payment. Whether you need assistance appealing a denied claim on the basis of an error in the claims process or help dealing with an insurer acting in bad faith, an experienced advocate at Hansen Injury Law can speak with you today.
Learning More About Bad Faith and Unfair Claim Settlement Practices
There are numerous ways in which an insurance company can act in bad faith when handling insurance claims. In some cases, the insurance company may have acted unlawfully even before it ultimately denied your claim, and injury victims can hold insurers liable for these actions. What does it mean when an insurance company acts in bad faith? In short, insurers have a duty to act in good faith in timely investigating claims, promptly providing payment to injury victims, and generally handling claims in a manner that denies rights to the claimant.
Under Idaho law, there are numerous types of unfair claims settlement practices, including denying claims under certain circumstances. Examples of some of these unfair settlement practices that often impact claims denials include but are not limited to:
- Misrepresenting information about insurance policy coverage;
- Failing to promptly respond to insurance claims;
- Refusing to pay insurance claims without conducting a reasonable investigation that takes into account all of the available information;
- Failing to deny coverage within a reasonable time period;
- Compelling claimants to file a lawsuit after unlawfully denying claims or offering an unfairly low settlement offer;
- Delaying investigation or payment of a claim by requiring claimants to submit unnecessary information;
- Failing to offer a settlement when it is reasonably clear that compensation is required;
- Failing to promptly settle a claim when it is reasonably clear that compensation is required; and/or
- Failing to promptly give a reasonable explanation for the denial of a claim.
Examples of Bad Faith Claims Denials
What are some examples of situations where insurance claims are denied in bad faith? Let us give you a couple of examples.
For instance, imagine that a car accident occurs when Driver A is struck by Driver B after Driver B runs a red light. The police come to the scene of the accident and investigate, ultimately determining that Driver B not only ran the red light and caused the crash, but that Driver B was also intoxicated. Driver A sustains serious injuries and files an insurance claim. The insurance company receives all of the relevant information from the crash, which makes it reasonably clear that Driver B was liable and that Driver A is owed compensation. However, the insurance company denies the claim anyway, stating that Driver B was not actually liable.
In another example, Driver A sustains serious injuries in a collision with Driver B. It is not immediately clear from the scene of the crash who is liable, but after Driver A files an insurance claim, the insurance company fails to properly investigate the claim and then denies it. In denying the claim, the insurance company also refuses to provide information about why it has denied the claim.
In either of these examples, Driver A may be able to argue that the insurance company acted in bad faith.
Appealing Your Denied Farmers Insurance Claim
When your Farmers insurance claim has been denied, you can appeal the decision with the help of an Idaho Farmers insurance lawyer. As we mentioned, some claims get denied for reasons that concern the complex requirements of filing a claim and obtaining a settlement offer, but in other situations claims are denied in bad faith.
No matter what your situation, you can appeal a denied insurance claim, and an insurance claim attorney in Idaho can help.
Discuss Your Case with an Idaho Attorney for Denied Insurance Claim
Learning that your Farmers insurance claim has been denied can be devastating. After suffering serious injuries in an accident, accident victims depend upon insurance settlements to help cover hospital bills and medical treatments, and to help make up for lost wages. An experienced denied insurance claim attorney in ID can help you to appeal your claim and to obtain the compensation you deserve. If your claim was denied in bad faith, you may be eligible to file a lawsuit. An advocate at our firm can analyze your case today and can discuss your options with you. Contact Hansen Injury Law to speak with an experienced Idaho insurance claim lawyer.