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Those who diligently make insurance premium payments have a right to expect that their claims will be fairly and promptly paid in the event of a loss.
There may be some instances in which an insurer fails to meet its contractual obligations and does so in the absence of good cause. Hiring a Chattanooga bad faith insurance lawyer may be crucial for you to get the benefits you deserve. If your claim experience has been marked by frustration, delay, or denial, a skilled and experienced attorney from our firm is prepared to assist.
Insurance claims could arise in seemingly limitless scenarios. It may be challenging to ascertain exactly what type of actions on the part of a carrier constitutes bad faith. There may certainly be times when the scope or validity of a claim could be rightly called into question by an insurer in good faith.
If a carrier demonstrates indifference or substantial disregard for your interests as the policyholder, an allegation of bad faith handling of the claim may gain credence. It is common for insurance personnel to employ subterfuge to prevent accusations of bad faith from disgruntled claimants. Such strategies may include:
A Chattanooga lawyer could help a person fight any bad faith insurance claims insurers may use.
As a seasoned attorney may know quite well, bad faith handling of insurance claims in Chattanooga might not come without risk for the carrier. Under Tennessee Code Annotated §56-7-105, insurance companies deemed by the court to have engaged in such practices could expect to pay penalties of an additional 25 percent on top of the policyholder’s total loss. This may include consequential losses stemming from the original delay or denial.
There are a series of requirements an aggrieved policyholder may need to meet if they wish to initiate a lawsuit under the above-referenced provision. As a prospective plaintiff, you may need to:
If an insurer directly refuses to pay on a claim prior to the expiration of the aforementioned 60-day time period, it may not be necessary to wait before filing suit. To determine the appropriate time to file a claim, plaintiffs could speak to a bad faith insurance lawyer in Chattanooga.
Not every denial of a Chattanooga insurance claim may involve bad faith on the part of a carrier or necessitates getting an experienced lawyer involved. There may still be several kinds of conduct that may indeed be evidence of improper handling of a claim as prohibited by Tennessee state law. These could include:
Effectively demonstrating bad faith on the part of an insurance carrier is rarely a simple or straightforward task. If you suspect your claim was denied unjustly and are ready to seek justice, a Chattanooga bad faith insurance lawyer from our firm could work with you to pursue appropriate penalties, consequential damages, and interest amounts. To get started on your case, pick up the phone and call us today.